Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit bureaus continue to report incorrect debt to income even though a number of loans have been paid off or down. Furthermore other third party credit bureaus use their incorrect information to report to lenders and others incorrectly. In my opinion a sham system. Creating denial of credit. Off shore staff maintains access to my personal data ... fact by their own admission and one they never address XXXX does the so called CF PROTECTION bureau. Debt to income much lower!!
Complaint sub-issue: Received bad information about your loan

When I was in my XXXX, I signed up for the Public Service Loan Forgiveness Program after graduating from my XXXX 's in XXXX XXXX program from a Public University. I was promised " loan forgiveness '' after I make qualifying payments after a set amount of time. However, what I found was that it is extremely difficult to find an employer who qualified for this program. In the state of California, there is a market trend of XXXX XXXX XXXX being privatized, even though they receive public and federal funding to operate. In 2017, I had a hard time finding a job with an employer that qualified for the loan forgiveness program, even though I searched specifically for a non-profit or government agency. Eventually I was offered a job at a for-profit entity and had to choose between being jobless or getting a job with an employer that isn't qualified under the PSLF program. Now I am in my XXXX and feel stuck with a loan that did not account for the market trends of privatized XXXX XXXX XXXX. The interest rates are sky high and I am drowning in debt from this program. I feel completely taken advantage of and failed by my government.
Complaint sub-issue: Account status incorrect

I have autopay set up on my XXXX XXXX Lease account in the amount of {$400.00} per month. I Have most all of my bills set up on auto draft for ease of payment. I check my bank statements on my mobile app frequently, usually every day just to make sure everything looks good, balances, no fraudulent charges, etc. It was XXXX, 2018 that I realized that I don't remember seeing my XXXX XXXX autodraft lately, so I started looking a little more into and found that it hadn't been deducted for two months ( the only emails XXXX ever sent was saying my bill is available to view, which I don't find the need to login since it is on autodraft ). I immediately call XXXX financial and asked what was going on, she said ( to the best of my recollection ) that they had switched payment systems or it went down, messed up, either way, my autodraft was turned off. So I immediately paid the balance, and asked about the late charge on the account in the amount of {$20.00}. She said that since it was a mistake on their part that she would waive the fee. I was also concerned with my credit and she reassured me that it would not be an issue and wouldn't be reported since it was due to their mistake. All is well with the world and I go on with my business. Then, this morning, XX/XX/2018, I check my bank accounts as I usually do in the morning and randomly check my FICO score as I do every few months out of curiosity to find out the my credit score had dropped about 140 points. So fearing  fraud I immediately login into XXXX to find that the XXXX account was showing 30 days late on two consecutive months. Either way, I call XXXX XXXX   to dispute the issue, the gentleman noted our conversation and referred me to report with the CRAs. I also asked him if he could see the notes the last time I had called in to find out about the lack of payments being withdrawn. He said he could she where she removed the late payment charge as a fault on their end ( not sure what else she noted ). I then call the consumerfinance.gov number, the gentleman was helpful and referred me to this page to submit a request, walked me through what I should expect so here I am. I believe that is all the information and all I can remember at this time. I am sure I forgot something but attached you will find the XXXX XXXX statement showing where the late charge had been credited. Thank you
Complaint sub-issue: Fee problem

Bank of west toke {$130.00} out of my account and put that in a credit car payment with out my autorizacin I close the the credit car months ago paid the all amount but they said tha I have fee to pay And they took {$130.00} and put that in the credit card from my savings account with no notice Thank you Let me know I you can help me!!!!!!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX 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. It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I purchased a XXXX TV at Best Buy. The salesperson offered me a store credit card with " 24  MONTHS ZERO INTEREST ''. I did not need the credit but it was such an attractive offer I decided to take it. This happened in XX/XX/XXXX. In early XX/XX/XXXX I noticed I was being charged interest. I contacted the company. It's customer service representative told me he would rescind the interest. THIS CONFIRMED TO ME I WAS CORRECT ABOUT MY UNDERSTANDING OF THE PARAMETERS ASSOCIATED WITH THIS CREDIT CARD. 

I always pay more than the minimum amount and pay off my balances before the zero percent offer expires. It wasn't until XX/XX/XXXX I noticed Citi was charging me interest again. I spoke with a manager this time. I told him I had zero percent interest and he corrected me : it was only with regard to items purchased at Best Buy. I closed my account immediately and paid off the complete balance ( except for the interest ) immediately. 

Unfortunately, I had set up an auto pay for the minimum and Citi continued to take the money from my account for 5 more months!! I contacted the XXXX   and California Attorney General. Citi has told me to pound sand!!! They sent me a form letter without acknowledging any of the specifics or even mentioning their fraudulent practices.
Complaint sub-issue: Reporting company used your report improperly

My Credit was ran when I was at a car Dealership. I never went through with doing business with the Lenders on my Credit Report. They have access to my information without my Consent. 

INQUIRES XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX LATE PAYMENTS XXXX XXXX  Late Payments 30 day XXXX 60 day - XX/XX/22
Complaint sub-issue: Funds not handled or disbursed as instructed

XX/XX/22 I opened a checking account with Citi Bank to take advantage of their promotion, XXXX for {$300.00}, {$700.00}, or {$1500.00}. I also had a family member sign up for another promotion using my referral URL for {$100.00} per person up to {$2000.00}. Over 5 months went by and I didn't receive either bonus. My family member did using the exact same steps. 

XX/XX/22 I contacted Citi via chat. They couldn't find what happened, so they opened a dispute for me ( which I documented ). I was told it would take " up to XXXX business days ''. 

XX/XX/22 I called after XXXX business days on XX/XX/22 to see why I didn't receive a response. I was informed I needed to submit a W-9. I mailed it on XX/XX/22. 

XX/XX/22 I received a letter from Citi about the dispute reminding me I hadn't sent my W-9 to them and they couldn't proceed with the dispute. 

XX/XX/22 I contacted Citi to confirm my W-9 was received. I was told it was " received on XX/XX/XXXX ''. I also found out Citi hadn't added the {$100.00} promotion to the previous dispute. So, they told me they opened another dispute for me on XX/XX/22 and told me it would be XXXX business days. 

XX/XX/22 I called Citi to check in on the new dispute as well as the previous. I was told that the XXXX dispute had closed due to a " lack of information ''. I opened a XXXX dispute to again try to receive the XXXX bonus ( XXXX dispute in total ). 

XX/XX/22 There was a letter dated XX/XX/22 by Citi saying that Citi tried to resolve my dispute submitted on XX/XX/22 but " we do not have enough information to complete our research ''. I have no record of this dispute and didn't even know it was opened as the dispute number doesn't match the number I have from XX/XX/22. I called Citi to inquire about the letter and XXXX open disputes. They told me it hadn't been XXXX business days and to call back tomorrow. 

XX/XX/22 I followed up with Citi again and was told there were no updates for either dispute. 

XX/XX/22 I contacted Citi via chat to check in for an update. I was told there were no updates and was given a phone number to call for updates. 

XX/XX/22 I called the number previously provided and spoke to an agent. They told me that the XXXX dispute had been resolved and the XXXX bonus would post to my account. There was no update on the {$100.00} referral bonus. Later that day, the XXXX bonus showed as pending to my account. 

XX/XX/22 I contacted Citi via chat to find out about the {$100.00} referral bonus offer. I was told there were no updates, please wait XXXX more days. I told the agent that I had been more than gracious and that I would need to submit a complaint to the CFPB unless a XXXX could resolve this. They opened a complaint internally. Since it has been well over the XXXX business days from when I contacted them on XX/XX/22, I filed this complaint.
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Public record

I have disputed Chapter XXXX bankruptcy with Equifax they signed for my initial certified dispute letter on XX/XX/2016. They responded that they have verified the reporting to be accurate from the federal bankruptcy court. I requested validation in the form of my signature, they failed to provide that to me validation. I also submitted them a copy of a letter from the bankruptcy court stating they do not provide any information to the credit bureaus along with a 2nd dispute letter which they signed for on XX/XX/2016. This is deformation and Violation of the Fair Credit Reporting Act. I demand that it be removed immediately from my credit report. As of today XX/XX/2016 they still have failed to validate this or mark my report as disputed. Equifax has failed to properly investigate this. They sent me the same verification letter both times within 4 days of signing for the letters. Which tells me they generated a pre-written letter from the computer and sent it to me.
Complaint sub-issue: Information is not mine

" I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank You. ''
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have called Equifax over 30 times from XX/XX/2020 to the present day. They will not update my credit score nor can any lender pull my Equifax credit history. I call and they say the same thing over and over or they just hang up on me. I've faxed them 10 times and followed their " dispute '' process. Nothing is ever done and it's ruining my life. I can't get any loans or refinance anything and their customer service is a complete joke. Now they sent me a letter telling me I have no credit with them after they mailed me a credit report. No one EVER contacts me back and NO ONE does anything. What a joke of a company. This is my 2nd complaint on them and even last complaint, they said they " mailed '' me a report. They aren't listening to me when I say that no LENDER CAN PULL MY EQUIFAX REPORT.

THEY WON'T ALLOW YOU TO SPEAK TO ANYONE IN THE US THAT CAN HELP EITHER. IT'S ALWAYS AN OFFSHORE AGENT THAT CAN'T DO ANYTHING AND THEY TELL ME TO FAX DISPUTES AND I'VE FAXED THEM 10 TIMES!
Complaint sub-issue: Account information incorrect

I have sent several disputes about XXXX XXXX XXXX reporting a different last activity date from other credit bureaus. A collection does not require age. I also asked for verification of a signed contract with my written signature for proof of debt. I have not received anything.
Complaint sub-issue: Charged too much interest

Im reviewing my credit card statements for the past three months. My overall balance is decreasing, but the interest charges are going up every month. For XX/XX/XXXX the balance is {$300.00} higher than the XX/XX/XXXX statement, but the interest charges for XX/XX/XXXX are {$5.00} more.
Complaint sub-issue: Account status incorrect

I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below is a list of the disputed accounts. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$210.00}
Complaint sub-issue: Account status incorrect

I had a XXXX lease, with a co-signer that terminated in XX/XX/XXXX. In XX/XX/XXXX, I declared XXXX XXXX bankruptcy. XXXX XXXX stated that a re-affirmation was automatic if we continued to make payments, and no paperwork would be needed. ( Specifically, customer service told me and my lawyer " we ( XXXX XXXX ) don't do paperwork anymore '' ). I assumed that my credit report would reflect ongoing payments, but it never did -- only indicating that I declared bankruptcy, meanwhile notating a repossession that occurred in XXXX. 

Upon the conclusion of the lease, I sold the vehicle to a dealer. Following a dispute to XXXX, XXXX XXXX XXXX credit bureau reporting has since been updated to only state " XXXX XXXX bankruptcy '' with no mention of the repossession or any negative remarks. However, my Equifax and XXXX still contain negative remarks and negative payment history ( meanwhile not indicating a high/low balance or anything like that ). Because I declared Bankruptcy, there should not be any negative remarks on my credit report.
Complaint sub-issue: Account information incorrect

On XX/XX/2021, I mailed a letter to the credit bureaus via certified mail requesting the method of verification used to verify the bankruptcy listed on my credit report. The bureaus reported the bankruptcy as being verified with XXXX. 

On XX/XX/2021, I mailed a letter to the bankruptcy court requesting information on when and who from the credit bureau verified a bankruptcy with them. Their response dated XX/XX/XXXX was that he bankruptcy court does not validate bankruptcies with the bureaus or any third parties. 

According to the FCRA, it is illegal for bankruptcy courts to report bankruptcy to the credit bureaus. Therefore, we know that the information did not come from the bankruptcy court. Also according to the FCRA, all accounts must be verified with the original furnisher of information. Even if this information was given or verified by a third party source, the third party source can not verify that their information is accurate, since according to the attached paperwork, the bankruptcy court does not verify bankruptcies with third party sources. 

On XX/XX/XXXX, I mailed a letter to XXXX, enclosing a copy of the bankruptcy courts letter, stating that XXXX could not have properly validated the information reported to the bureaus, and thus must remove the erroneous reporting from my credit report. As of today, XXXX has not responded. 

On XX/XX/XXXX, I mailed a letter to the bureaus, enclosing a copy of the bankruptcy courts letter and a copy of the letter to XXXX, stating that XXXX could not have properly validated the information reported to the bureaus, and thus must remove the erroneous reporting from my credit report. As of today, the bureaus have not responded.
Complaint sub-issue: Their investigation did not fix an error on your report

I need you to investigate the following accounts you claim to be accurate on my credit file XXXX Miscellaneous Reptg. XXXX XX/XX/XXXX Equifax XXXX Personal Loans Companies XX/XX/XXXX Equifax XXXX All Banks XX/XX/XXXX Equifax Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file. 

After you finish my request, send me an updated report Thank you, 15 U.S.C 1681G Law violation
Complaint sub-issue: Information belongs to someone else

remove FCRA violations address below : XXXX XXXX {$16000.00} Closed 26 charge-offs XXXX XXXX XXXX, TX, XXXX please call me at for the correct address XXXX CELL Names wrong see attachments below XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Act XXXX Acct # 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.
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 confidentiality under 15 USC 1681. 
XXXX # XXXX 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 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 ) 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 yours

Company claimed that the debt is mine. I never had an account with the company. They refuse to send me any information with my signature on it or original document/ contract with my signature on it agreeing to open claimed account. This false report is impacting my credit and ability to obtain a job and home.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXCLUSIONS its ILLEGAL TO REPORT INNACCURATE INFORMATION on my consumer report. 
DELETE ALL WITHIN XXXX DAYS
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

XX/XX/2021 I receive child support benefits through the state of Oregon on a U.S. Bank Visa ReliaCard. 
On XX/XX/2021, I attempted to use my card to buy groceries and it was denied. I was shocked because I had nearly {$7000.00} on the card. I had been saving as much as possible to use for my daughter 's XXXX. 

I immediately called the number on the back of the card and after many tries and hours got through. They said that {$1900.00} had been transferred from my debit card to a bank account, not once, not twice, but three times within 10 minutes on XX/XX/2021. The following day, XX/XX/2021, {$700.00} was transferred to the same account. They then directed me to the fraud department and took me through cancelling the card. 

It appears someone had set up an online account in my name. They may have used the email address XXXX to change the pin, etc. That is an email address I have never seen, had, or used, nor do I have access to it, but when I accessed the account online that was the email associated with the account. It had apparently been changed from my email and no one ever informed or checked with me to insure I had made the change. I dont know what phone number is associated with the card, just that it is not my phone number which was rejected as being associated with my card. 

I did not make or authorize these transfers. My card was not stolen. I did not give my card information to anyone. In the nine years or so I have had the card I have never made a card to bank account transfer. I would think that these huge transfers within minutes of each other, along with personal information on the account being changed would have triggered the fraud triggers U.S. Bank is said to have in place, but I guess they did not. 

I filled out all the required fraud paperwork on time and properly. I can show my bank accounts, credit report, anything. The dispute claim number is XXXX. 

I received a letter today dated XX/XX/2021 from U.S. Banks Prepaid Dispute Resolution stating there was no error and that my child support account would remain at {$0.00}. The investigation was done extremely quickly, and I have no way of knowing what it consisted of. I would hope that when a childs welfare is on the line, a little more care would be taken to get this right. Someone stole {$6400.00} from my XXXX XXXX and U.S. Bank literally hung up on me when I tried to calmly get more information.
Complaint sub-issue: Account status incorrect

Please help! I was alerted Discover Card reported my account 30 days past due. However, my account is close but for the last 36 months I have been making payments by auto draft to payoff the balance as with agreement with Discover. When I called I was told that they sent notification via email tht one last payment was due. However, when I asked speak with a supervisor ( XXXX ), I was told not email was sent to notify me my last payment was due. All is this is concerning because I never received a statement to say {$21.00} and some change was due, they never called me to say the payment was due nor did they ever email me to say the amount was due. Discover has all the correct contact information as it was verified today XXXX. Lastly, they could have easily taken the final payment out of my checking account as they have been for the last 36 months. Reporting my account as 30 days past due was done with malice. 

Discover Card has validated the Fair Debt Collection Act. and my rights as a consumer.
Complaint sub-issue: Debt was result of identity theft

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
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 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.