Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

In XXXX of XXXX  I was accepted into a property tax deferral program offered by the Mn XXXXXXXX XXXX XXXXXXXX. I am to pay a portion of my taxes and Revenue loans me the money for the rest. I sent my paperwork several times but here it is XXXX and US BANK still cant get it corrected. I also sent them via a certified letter that I no longer wanted to escrow my taxes and insurance. I owe about XXXX XXXX on a XXXXXXXX XXXX house. Well, they want me to pay the full amount and this is even after the head of the program contacted US bank. From XXXX until XXXX of this year I paid the full amount even tho I am supposed to get a break. In XXXX I paid just mortgage and interest. So they charged me 30 rca fee and put my payment in suspense. Then they also told me that I couldnt use their bank app due to bankruptcy! I never filed for bankruptcy!! Then they lost the paper where I withdrew from escrow. So I am Re sending it again. I even was going to re finance my house with them and get just enough to fix it up but I wonder. I know they are large but I think whats happening is very unfair
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2020 I made a check deposit of {$2500.00} to US Bank the teller told me funds would be available on XX/XX/2020. I checked my account on XX/XX/2020 and My funds were there. 
I started using my card after knowing my funds was available but they had decided to put a 7 day hold on the check after already releasing the funds to me. This check was issued to me by XXXX XXXX XXXX which is definately good and There funds are available to honor this {$2500.00} check. With me using my card for purchases and withdrawals US Bank decided to not credit my account for the funds they already credited me for and put my account in the negative and started charging me insufficient fund fees for no reason at all. I don't understand how they can give me my money and take it back and put it on a 7 day hold when the check I deposited was a good check. They could have easily call my customers bank to verify funds on the check i presented and Not give me money and take it back from my checking account. This has created a hardship for me cause now I have pending transactions on my account, overdraft fees on my account and they are holding my money now and my account is in the negative. This is truly poor business practices by US bank and should not never happened.My funds were available on XX/XX/2020 because I made a {$700.00} dollar atm withdrawal. My atm withdrawal would have been denied if funds was not available on this date.
Complaint sub-issue: Talked to a third-party about your debt

I have been harassed by this Collection Agency via text, email, and now they are harassing relatives & neighbors that were NOT a part of my application process. This is an old account/debt from 7-8 years ago. I have not been able to speak with a XXXXive Representative of the Collection Agency, XXXX XXXX ( phone # XXXX ). With so many scammers and fraudulent activity on the rise, this is NOT a good practice that this agency is using that your information is being identified using IVR technology.
Complaint sub-issue: Their investigation did not fix an error on your report

Ok this is for Equifax. I originally challenged these issues with them on XX/XX/21 asking them abut some inconsistent and inaccurate items that they are reporting on my credit profile. This was for a Bankruptcy reporting I contacted the courts asking them if they shared my info with a credit reporting agency which you will see attached. All they reported back was that it was verified through some company called XXXX. I went to XXXX and explained to them the inaccuracies and they agreed to remove them because they weren't valid. Also attached. Then on XX/XX/21 I sent all of this information to XXXX to get them to remove the information from my credit report and they still ignored me. They have been completely violating my consumer rights and nobody will do anything about it. They lied about verifying this account to be accurate. And when i called them out on it they still are reporting it. This whole think has been over 150 days of them violating my consumer rights.
Complaint sub-issue: Information belongs to someone else

I have recently found out I have been a victim of identity theft and someone used my information to open a couple of lines of credit with credit grantors without me knowing. I don't know how the thief got ahold of my personal information but i am certain I have not opened these nor has someone authorized by me to one accounts. The following accounts are below. 
XXXX Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

They are reporting a collection account on my credit report in the amount of {$40.00} is being reported by XXXX XXXX. This is not my account and needs to be removed from my credit report immediately. This is not my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Personal information incorrect

Called Equifax on XX/XX/2021 XXXX to report the employer information is still incorrect on my report, I tried to report it online but the online system wouldn't allow me to. I called in spoke to a representative that didn't speak clear English, he didn't understand my answers and I barely could understand him. He asked me security questions to identify myself I answered all the questions correctly, even though I believe he put my information in the system incorrectly because he doesn't understand very well. He came back on the line and told he couldn't verify me and to send in my social security card and ID. I told him no, I will not send in my personal information especially since I answered his questions correctly to identify me. I told him I want a supervisor that understands English and that could fix my issue. He went on and on and became rude and argumentative about me wanting a supervisor. I have been on the call for over 1 hour and 20 minutes and still no supervisor to speak to me and still my personal information on my report is incorrect. This the 2nd phone call placed to Equifax within the past 3 months to no avail. I need help and I need help now with having my employer information corrected in the system and I don't want to send in my personal information for people that work in a different country to have my information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

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

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

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

I contacted Citi Bank in an attempt to resolve my moderately past due account. I put forward a reasonable proposal that if they'd waive all late fees and ensure that my interest rate remains unchanged, I could dig in and pay the entire amount due, but past due and current. They stubbornly are refusing to waive one {$28.00} fee. I would imagine me paying the entire amount due to bring the account current in exchange for the waiver of this small fee is more than reasonable. I only fell behind due to unexpected unemployment, but am trying to work with this creditor in good faith to service this debt now that I am again employed.
Complaint sub-issue: Their investigation did not fix an error on your report

Good Afternoon, XXXX, EQUIFAX, AND XXXX have not properly conducted an investigation regarding a negative account on my personal credit report. 
On XXXX XXXX i certified mailed off a letter ( in which i still have a copy of ) requesting documentary proofs ( the hard copies ) and evidence of the alleged debt being claimed against me. I received a response but unfortunately still have not received any hard copy proof like i originally requested and stated if unable to provide proof, please remove the account completely and immediately. 
I appreciate your time in this matter and i'm able to provide any and all information needed to resolve this issue correctly.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing with the Credit bureaus for the correction of the Disputed erroneous accounts being reported on my Credit File, and yet the Credit Bureaus have done nothing! I sent a letter to the 3 Credit Bureaus last XX/XX/2022, to update these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINTs, and I'm including it again. Please have the following items fixed at the earliest possible time : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00}
Complaint sub-issue: Account information incorrect

COMPANY : XXXX XXXX XXXX HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE ( EQUIFAX AND XXXX  XXXX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE THEIR FOUNDING INCORRECT
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES 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

Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX XXXX XXXX/XXXX XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 1 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Information belongs to someone else

I have accounts appearing on my credit file that are from my identity theft case and they should be deleted immediately.
Complaint sub-issue: Information belongs to someone else

I had my credit ran today XX/XX/20 because I'm in the process of buying a house however, I was told that I would not qualify for a home loan due to having accounts with negative history appearing on my credit. I wasn't aware that these accounts were on my credit report because I didn't open any of them. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX. I do not have any written or verbal contract with any of these companies nor did I ever allow them to access my credit. I did not gain anything from these accounts that were opened in my name without my permission and I did not make any payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Complaint sub-issue: Account status incorrect

Equifax is reporting a XXXX XXXX collection that is not mine. XXXX and XXXX  has removed this collection due to failure to verify it was mine. Equifax has not complied.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon checking my credit, I noticed 2 accounts reporting from XXXX XXXX XXXX. Subsequent to noticing these accounts, I sent over validation of debt request to this agency for accounts : Account- XXXX {$700.00} Account XXXX {$670.00} I was not sent validation of debt from this company. As a consumer I then disputed this account with Equifax on dispute confirmation # XXXX, on XX/XX/2019 I received back the results of this dispute and the collection agency stated on these 2 accounts that the " The information you disputed has been verified as accurate. '' As a consumer I find this peculiar because the collections agency was unable to validate the debt. I then sent the credit reporting agency request outlining my rights as a consumer under 15U.S.C 1681, FCRA 611 ( a ) ( 7 ) in this letter I requested that the credit reporting agency send me a complete description of how this account was validated. I requested to names and contact information for whom the reporting agency spoke with, as well as a copy of all documents provided to them from the collection agency to which they are still reporting. I received nothing but a generic letter that basically stated the very same thing that the erroneous dispute did, just that the account was verified. As a consumer I am following up on my next course of action which is to file a complaint with you in regards to this issue in hopes this will get resolved and I do not have to move to the next step of filing a lawsuit which I completely intend to do as these accounts are having a negative effect on me as a consumer and these accounts are in error and the credit reporting agency is not following the law.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act. The list of inquiries below below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 th

an 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: Overdrafts and overdraft fees

My checking account became overdrawn due to an error on my part. I understood that I would get charged a fee, which I was for {$36.00}. No issue there. But the problem occurred when I continued to get charged {$36.00} for the same item. I was originally charged {$36.00} on XX/XX/XXXX. Charged again on XX/XX/XXXX. Again on XX/XX/XXXX. And again on XX/XX/XXXX. When I called the bank ( BB & T ) I was told that the same item had been submitted on four separate occasions and that I would get charged a fee every time it was submitted. Keep in mind, I have no control over how many times the item gets submitted. BB & T would not credit back any of the fees for this item, so I ended up paying {$140.00} in fees for an item that totaled {$110.00}. Emailed BB & T on multiple occasions and the answer was always the same, they will charge a fee every time it is submitted. This is really unfair to the consumer, as the consumer has no control over it. Yes, I did make the initial error, but after that it was out of my control and BB & T just kept ripping me off. Please help.
Complaint sub-issue: Received bad information about my loan

For over a year, I have been fighting with Nelnet to correct information on my file that is incorrect. I have been on the Income-Based Repayment Plan since XXXX and have re-filed every year. I was told in XXXX that they did not have me on and that information was mistakenly provided to me which had led me to believe that I was on the IBR plan. I was informed that for the past 7 years they used up deferment and forbearance instead!!! Last year when I submitted information to recalculate my payments ( this is when I learned that I was not on IBR ), Nelnet had my paperwork sitting there for months without touching it. It was n't until I checked my credit report that they incorrectly reported more than XXXX accounts at least 90 days past due!!! My credit went down nearly XXXX points! I have gone back and forth with them to no avail. When I told them to correct the IBR information for the past 7 years, they basically told me they were sorry but there is nothing they could do. I can not get approved to live an in apartment now and I have been having a hard time finding a job that allows me to pay more than my minimum payment to pay my student loans. I can not finance another vehicle and my credit card was recently cancelled due to this.I went to graduate school and I have a large amount of loans I took out to pay for my education. Nelnet has been avoiding correcting the information. I believe that the cost of my loans is exceedingly high and do not reflect the correct amount I borrowed including the correct amount of interest. They are difficult to deal with and their representatives on the phone are powerless. Please do something about this. I know many people who are struggling with the same issue being cheated by Nelnet. 
I believe much of the confusion on Nelnet 's part comes from lack of understanding from the representatives on how repayment of student loans impacts the borrower. Every single person I spoke with had a different answer and I attempted to have them give me the correct paperwork for recalculations 6 different times in XXXX. I am sincere in repaying my student loans but find that their business practices are misleading and damage the borrower 's ability to pay by increasing fees, keeping incorrect information and reporting it to the credit bureau. I have never before had my loans in a late status. I want them to be fair and give me the opportunity to repay but have the correct information and also fix all the accounts they placed in late status reported to the credit bureau. Every time I speak with them about fixing it, their response is " its not what you have sent. Its when we receive it '' despite them having the paperwork and having it sit there with no action being taken. My financial situation and future has been heavily impacted by this. My credit tanked to the point I cant find a better paying job now and properties are refusing to offer a lease without a heavy deposit that I can not afford.
Complaint sub-issue: Public record information inaccurate

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 US Code 1681. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system, reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during these time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Their investigation did not fix an error on your report

My friend who visited me on XXXX used my phone while I am distracted asked my password PIN numbers, and ordered product XXXXXXXX XXXX XXXX, price and date was, Transaction date : XX/XX/2022, Transaction amount : {$550.00} USD, my friend used my XXXX account with linking citi bank debit card. 
And I tried to cancel whole order and dispute it after find out, but both XXXX  and citi bank customer service declined my request, that is why I am requesting to adjust from here. 

so please assist me with cancel this whole order and get full refund.