Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX at XXXX pm I used a XXXX XXXX XXXX a.t.m. I then proceeded to withdraw {$920.00} cash using my US Bank debit card. The a.t.m. opened up to release the funds and wouldn't let go, I struggled to pull but failed due to door shutting up my fingers, I did manage to take {$20.00}. I then parked and waited for over an hour contacting both banks. I filed a claim with both banks, and both came back with no error had occurred.
Complaint sub-issue: Fee problem

Charged an international processing fee when I did not travel internationally. I bought something at home. Used my debit card. Called US Bank and they will not refund this fee. The fee isnt in the disclosures for my account. I have been lied to and taken advantage of. They stole my money
Complaint sub-issue: Information is missing that should be on the report

My bankruptcy has been removed from all 3 credit reporting agencies as it was 10 years old, however, I had a consumer statement pertaining to bankruptcy and this statement should have been deleted once the bankruptcy is deleted. 

XXXX did not remove this statement and I believe that Equifax and XXXX did not remove the consumer statement as well.
Complaint sub-issue: Old information reappears or never goes away

Both my self and daughter have requested numerous times to have a freeze placed on our consumer credit files. 

We have certified acknowledgement that both XXXX and XXXX XXXX have received our requests. As of today, we still have people searching our credit without authorization to do so and false claims on our credit. With the breach of XXXX and our mail stolen ( with Police report ) we have requested with the 3 credit reporting agencies to put fraud alerts as well. 

My daughters credit report was obtained by a mortgage office ; however, we expected to be able to release the check for 24 hours to allow them to pull report. There is NO FREEZE on these accounts. 

If we don't receive the cooperation, we will file a small claims court action to protect our rights.
Complaint sub-issue: Account information incorrect

Ally Financial has not updated my loan information regarding the current balance and payment history for my credit report. The last payment update reported was XX/XX/XXXX and it is now XX/XX/XXXX. I have called the Ally Financial multiple times and the Ally Financial has not given me solid valid solution for the issue. No action has been taken by Ally Financial and the customer service is terrible.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been well over 60 days and I have not received a response yet.I feel like I am being blatantly ignored by the bureau. Section 611 ( a ) of the FCRA says that a failure to investigate these items within 30 days is a sufficient reason to remove to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted or I will file for litigation due to the emotional stress you have caused. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Overdrafts and overdraft fees

Please refer to previous filed complaints XXXX and XXXX. 
Since filing these complaints, 5 transactions {$50.00} and 4 a {$25.00} have been presented three times, returned 3 times and assessed overdraft fees {$36.00} for each transaction. As well, 6 @ {$30.00} were presented as extra fees of the merchant of the {$50.00} and 4 @ {$25.00} transactions. These fees were also presented 2 times and returned. Banking regulations allow 2 presentment but institutions accept as many as are presented. 
This process is a severe abuse on the consumer. 
This is a process that is used to generate fees. As well, the transactions are re ordered so there may be funds available for lower amounts but largest are put first even though not presented in that order. 
I have communicated with the Executive Escalation Representative, XXXX XXXX. She has refused to consider the circumstances and abusive processes which caused the issue. My account would not be overdrawn if not for this unfair practice. I still have to pay the returned items and the overdraft is all fees. PNC has refused refund in the fees.
Complaint sub-issue: Information belongs to someone else

I have a credit card XXXX XXXX  and multiple hard inquirys on my credit report that doesnt belong to me I need them remove
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.
Complaint sub-issue: Other problem getting your report or credit score

I am applying for a mortgage my name is XXXX XXXX. my lender pulled a credit score on me in XXXX and now we are trying to pull it again and they will not allow me to pull it again. I have called them 8 times and they still will not release my score. I have verified there is no freeze on my account. There is no fraud alert on my account. my mortgage company still can pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  id XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

In XX/XX/2019, my statement balance of {$32.00} was paid in full ( via autopay, as usual ) and statement was closed with {$0.00}. A month later, the payment was returned and appeared as a XXXX balance on the next statement, along with late fees. I had no idea this was happening until I found out a few months later as I noticed the effects on my credit score. I was not using the credit card ( Macy 's store card ) so did not expect a charge after closing the said statement. This was exacerbated by the loss ( potentially theft ) of my mail including letters from Macy 's, recovered months later by the USPIS. I was not notified by e-mail, text, or phone. 

The reason why the payment was returned was a mystery for a while, until after repeated calls to Macy 's customer support and escalating the issue a few levels up the management chain, they identified that it was because the autopay attempted to draw money from a closed account. Importantly, I had updated it to another active account more than a year before this happened, and the autopay had been consistently successful in previous statements. The issue was probably due to a technical error on the creditor 's end. They accepted it over the phone and returned the late fees, but never corrected the credit reporting. 

A more detailed account of the events is attached, along with documented evidence to substantiate the stated facts. 

This has since damaged my credit score and will cost me tens of thousands of dollars in mortgage interests on my recent home purchase. I would like this to be fixed as soon as possible so I can refinance my mortgage with a better credit score. 

I have already contacted the creditor ( Macys ) directly and the three credit bureaus ( XXXX, XXXX, and XXXX ) multiple times to fix this issue, but they have not been helpful.
Complaint sub-issue: Information belongs to someone else

Credit Card shows XXXX XXXX not my account my name is XXXX XXXX account doesn't belong to me. SS number and name doesn't match. SS Card number and name is XXXX XXXX. 

FTC report filed for two accounts XXXX XXXX XXXX and XXXX. Also inquires are not mines I have a fraud alert that one must contact me at number listed before credit is issues. I was also part of a breach
Complaint sub-issue: Their investigation did not fix an error on your report

I am working with Equifax and XXXX to resolve an issue with XXXX XXXX, the loan servicer who bought my student loan from XXXX XXXX in XX/XX/XXXX. 

I have been paying XXXX XXXX XXXX XXXX  monthly since XX/XX/XXXX. This is the only account I need to make payments on, and my credit score has not improved despite my timely payments. After going back-and-forth with XXXX XXXX personally and filing disputes against them through Equifax and XXXX throughout XXXX, one of XXXX customer service agents finally disclosed the problem to me. 

XXXX XXXX has been applying my monthly payments to the interest on my loan exclusively. This was never clearly expressed to me through an agent or the loan servicers communications until I spoke to them on XX/XX/XXXX. Their reasoning for this is unclear. XXXX XXXX claims I agreed to exclusively making interest payments instead of splitting my payments between interest and the principal loan, which is not true. I immediately began looking into my refinancing options, and then I realized their insidious plan to prevent me from escaping their clutches. 

XXXX XXXX applied my payments to my interest exclusively to prevent me from raising my credit score and having my loan refinanced by another bank. They altered my interest rate upon purchasing my loan from XXXX XXXX to ensure my minimum monthly payments only cover the interest, and my loan continues to grow exponentially so I owe them more money. There is no way I can get out of this because XXXX XXXX added remarks to my account for the credit bureaus stating that the bureaus are not to raise my credit because I am only paying off interest, according to a representative from XXXX. 

I believe XXXX XXXX wrongfully led me to presume my payments were being applied to the principal and the interest on my student loan. Until this month, I was in good standing with XXXX XXXX. Now, I refuse to pay them until all my previous payments are applied to my credit score so I can have my loan refinanced.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2019 it came to my attention that my personal information was leaked in the Equifax, XXXX XXXX Breaches. I am a victim of identity theft. This message is in regards to the damage of my credit and several certified letters that was sent over to Equifax, XXXX & XXXX. I have notified FTC and filed a complaint upon your company. I am sending this final message to make you aware of my actions on my litigation process upon a response with 3 business days of receiving this message and after my internal dispute on the fraudulent accounts and inquiries listed below. I am seeking {$10000.00} in damage due to my personal information being leaked by your companies in compromise causing fraudulent actions on my credit which is causing me all of sorts of distress, problems, and everything negative you can think of. Debt must be ratified with an actual original signature instrument including a wet signature which these accounts are 1. Fraudulent 2. Erroneous 3. Violated several FCRAs in sections 609, 623, 611, 612, 614, 619, and also violated the FDCPA. 

XXXX, Equifax, XXXX  Fraudulent Accounts : All XXXX XXXX XXXX & All XXXX  XXXX XXXX, Fraudulent Inquiries : Equifax XXXX, Us Dept of Education
Complaint sub-issue: Information belongs to someone else

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete XXXX statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Complaint sub-issue: Received bad information about your loan

American Education Services ( AES ) -- my student loan company -- has reported me 30 days late to my XXXX credit bureaus for the month of XX/XX/XXXX while I was in an approved forbearance. <P/>I have attached Forbearance Requests for : ( All of which were approved. ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have also attached the approval letters from AES approving my forbearance requests. In addition to the fact that I was in forbearance when they reported me as 30 days late, in regards to AES 's XX/XX/XXXX policy surrounding approved forbearances covering and reversing any late payments, for both of those reasons, I should not have been reported to the credit bureaus as late. <P/>CFPB, I need your help. Please help me get this issue corrected. I plan to refinance these loans to get away from this horrible company. I need your help. My credit score dropped XXXX points because of their inaccurate reporting. <P/>Thank you so much! I am so thankful for you!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights XXXXXXXX XXXX  account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX ( amount {$2800.00} ) XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Complaint sub-issue: Account status incorrect

it has to do with the reporting of my XXXX account. 
1 ) company is reporting differently to 3 credit bureaus per attached 2 ) XX/XX/XXXX on my XXXX, XXXX started reporting FP -Failed to Pay. XX/XX/XXXX they decided to change reporting to 120 days past due ; XX/XX/XXXX they went back to FP ( Failed to Pay ) ; XX/XX/XXXX they again reported 120 days past due. 
Since the account started report on XX/XX/XXXX FP I was beyond 120 days late. Therefore 120 days report in XXXX and XXXX of XXXX is incorrect and should be reflect FP.
Complaint sub-issue: Account information incorrect

My account with Acima has been paid off since XXXX of 2021, yet the have not updated the reporting since XXXX. It is now XX/XX/XXXX. It is still showing I owe XXXX dollars which I don't and my payoff amount was {$880.00} which was done.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX Acct # : XXXX
Complaint sub-issue: Was not notified of investigation status or results

It has been more than 60 days with no response from the bureaus. The law is being disregarded by all three bureaus by not responding in the appointed time, hopefully this will be the last time that the bureaus are allowed to disregard the law. Please remove all accounts listed as stated by law.
Complaint sub-issue: Account information incorrect

I have never signed up for emails from Credit Karma.

Credit Karma sends me frequent unsolicited and deceptive/incorrect emails alleging that my credit score has decreased, that I have missed payments on accounts that I do not have, that I have opened new accounts that I have not opened.

I understand that Credit Karma earns revenue by showing advertisements for financial services ( such as credit cards ), so I have avoided responding to their emails because I have not solicited their services and do not wish to provide revenue to a firm engaged in these types of business tactics.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Attempted to collect wrong amount

I.C. SYSTEM, INCI C SYSTEM INC ( debt collector ) XXXX XXXX XXXX XXXX XXXX ( physician 's practice ) XXXX XXXX XXXX SXXXX XXXX, MN XXXX ( XXXX ) XXXX This company ( I.C. System has repeatedly tried to collect the wrong amount form me and has falsely billed me as well as reported this to the credit bureau ). They are rude, unethical, have unprofessional billing practices, and aren't willing to discuss matters necessary to resolve the issue. I have disputed and the correct balance has been paid in full directly to the physician 's office.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On the XXXX of XXXX I contacted credit, spend account customer service to report fraudulent activity on my account explain to them via phone call all of my money was gone out of my account which was deposited from the IRS my taxes and I had gotten notifications on my email that the new card was issued and sent out to an address that I was unfamiliar with and that the phone number on the account I was locked out of the account the pain was changed to the card I had all these no notifications and when they told me the transactions these people drink my money through XXXX XXXX and at a casino and threw up it's very obvious and evident that it was fraudulent activity they have now not giving me an explanation why but they have denied my claim twice and that is not right they have also blocked my access to my credit karma account and will not send out any Credit Karma spend account card which I have money on my card still and I had a direct deposit so I need my money they are robbing me
Complaint sub-issue: Information belongs to someone else

I AM VICITM OF AN IDENTITY THEFT, AND EVERY TIME I CONTACT XXXX XXXX AND I TELL THEM I AM VICITM THEY ASK ME TO SEND TO THEM MY IDENTITY THEFT STATEMENT ALONG WITH A STATEMENT FROM ME EXPLAINING MY SITUATION, SAME THING WITH EQUIFAX, THEY ASK ME TO SEND THEM MY IDENTITY THEFT REPORT, ALONG WITH MY SOCIAL SECURITY CARD AND DRIVER LICENSE, THEY PROBABLY HAVE OVER 20 COPIES OF ALL THEIR REQUIRED INFORMATION, AND THE FRAUDULENT ACCOUNT IS STILL ON MY CREDIT REPORT. THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, THIS ACCOUNT WAS OPENED WITH OUT MY CONSENT.
Complaint sub-issue: Problem during payment process

Starting back in XXXX of XXXX, Discover Card 's pay by phone line began to register unauthorized payments pulling money from my bank account to pay them. For example, it would show a payment of {$500.00} one day and {$400.00} the very next. I know the pay cycle and my pay frequency and know I would n't have paid this excessively. In XXXX, the payments became almost daily, with Discover pulling at least {$75.00} per day out of my bank account. This created difficulty with paying other creditors and bills. I told them that I do pay by phone but that I did not pay them to this excess. 

They agreed to redeem the unauthorized charges with an affidavit filed by XXXXXXXX XXXX. In a phone call with their investigations department, they said they would not dispute this. Citizens initially returned the money, then a couple weeks ago, the account was significantly overdrafted. XXXX told me that Discover disputed the affidavit. 

I have phone records showing calls to their pay by phone line up to 10 times per day, at hours when I was n't awake and from locations I was not in ( i.e. from Connecticut right before midnight then making a second call to them in XXXX about 30 minutes later ). 

Numerous attempts to get Discover to work with me and redeem these unauthorized debits to my account have been ignored. Discover added {$6000.00} onto my balance on the premise that it would reflect what was returned to me. However, Discover has not and refuses to return any money. 

This has affected my ability to pay other creditors, which affects my credit. I have also received a large amount in overdraft fees from XXXX.
Complaint sub-issue: Transaction was not authorized

My cash app account was hacked and sent out two payments. One for XXXX and another for XXXX that cash app will not refund to me
Complaint sub-issue: Information belongs to someone else

I have disputed this item well over 60 days ago and the item remains on my credit report. I have not received any verification or validation from the credit bureaus nor the collection agency of this account.
Complaint sub-issue: Account status

My home went into foreclosure in XXXX of 2009 and both the mortgage holder and the XXXX ( XXXX ) signed off on the agreement. XXXX used XXXX XXXX XXXX as their servicing agent. A copy of the agreement is attached. I have made many attempts, but Equifax refuses to remove the XXXX debt listing from my credit report, thereby preventing me from obtaining a favorable interest rate on a home loan I am trying to obtain.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I requested an investigation into my credit report because their are items that I have no knowledge of. I never received any documentation bearing my signature in relation to these negative accounts. I reached out to the credit bureaus in regards to this matter and they have not conducted a proper investigation. Then I requested them to verify the debt according to the FCRA and again I got ignored these negative items do not belong on my credit report. 
XXXX XXXX # XXXX OPENED XXXX BALANCE {$630.00} XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$630.00} THESE XXXX XXXXCCOUNTS ARE DUPLICATES. 
XXXX XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$990.00} XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$1500.00}