Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

Yes, on XX/XX/XXXX, I sent a Goodwill letter to the CEO, XXXX XXXX XXXX, I explain to him that I was in a consolidation program back on XX/XX/XXXX, and my payments were being made on time, from the time that I started the program I received notices from the XXXX XXXX that my balance was XXXX, I was told during the program that for 1 year I would not own any money for my student loan, I never heard anything from the company that I did the consolidation with so that I could renew the program after that year. I received another statement from the XXXX XXXX XXXX, and it showed that I owed around {$750.00} for a monthly payment, well I was in shock, I tried reaching out to the consolidation company, but with no luck, they had went out of business, I reach out to another company, but in the mean time I was going into default with my Student loans. I sent the CEO a good will letter, because me and my husband want to purchase our first home in XX/XX/XXXX, I poured my heart out to him regarding the situation at hand, now I know that plenty of people have sent goodwill letters regarding their student loans reporting late on their credit reports, and the late payments were removed from their reports. I really need this because, we may not have a chance of purchasing a home with this showing on my credit reports. I received a letter back from supposedly the CEO, XXXX XXXX XXXX, and they refuse to remove it, now if your going to do it for other people, why could n't I have mines remove as well, I 'm not trying to get out of paying, I have joined another consolidation company, and my loans are being paid as suppose to as of this date, I was just asking for a little help to get my credit looking better, I do have the letter that was sent to be regarding their decision to not honor my request, I guess what I 'm saying is show favoritism for others and if you wo n't help someone who took the time to send a Goodwill letter to you regarding needing help so my family and I can become home owners.
Complaint sub-issue: Fee problem

Hi, I got charged by my bank ( PNC ) for a cash advance fee for an " overdraft '' protect feature which I believe had already been turned off. 

I over drafted my checking account on XXXX, and immediately fund the account as soon as I realized it. The bank funded my checking account by drawing a cash advance from my credit card account via overdraft protection feature and charged me a {$170.00} cash advance fee. I believe I've already disabled this feature. I called the bank asking about the charge, 2 persons, one from checking and another from credit card, both told me that they saw the feature was off - they escalated the issue. However, when the representative from the escalation department called me back, he wasn't able to resolve the issue. 

The cash advance fee was way higher than what i would have been charged for overdraft. Not sure why the bank would even call it protection. The bank didn't notify me when my account was overdrafted until the next day, otherwise i could have fund the account immediately.
Complaint sub-issue: Account information incorrect

equifax continues to report these accounts incorrect. ive called them multiple times and they refuse to fix. they are reporting indigo account as of 120 days late as of XX/XX/2020 the connotation is also incorrect on this account. they hve a XXXX balance which is correct but its listed as a charge off which is incorrect. how can it has a XXXX balance and be 120 days late as of the last report cycle
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Trouble with how payments are being handled

I was approved to begin tracking payments for Public Service Loan ForgivenesXXXX with XXXX. XXXX incorrectly calculated my qualifying payments and dates of employment. I would like this resolved so I can begin tracking my progress toward loan forgiveness.
Complaint sub-issue: Old information reappears or never goes away

Notice sent to Equifax, XXXX, and XXXX regarding XXXX XXXX XXXX in the amount of {$680.00}. Inaccurate information has been reported with no resolution within the month of XXXX as well as the month of XXXX.
Complaint sub-issue: Problem with personal statement of dispute

Equifax and XXXX credit Bureaus allowing XXXX XXXX to continue to report on my credit file..consumer protection and federal trade Commission added a reporting block to my file as of XXXX XXXX I reported to all 3 credit bureaus and sent the documents to each .. Filed over 7 disputes not to Allow XXXX  XXXX to report and inaccuracies because we're still in legislation and it's truly damaging my chance to be able to purchase my first home ... XXXX vs XXXX XXXX as of XX/XX/2020 Block isnt in effect at All! Still reporting doing so much damage..and it's not helping to keep filling disputes after dispute I been fighting and complaining to no end..I been turned down for approval because of XXXX XXXX still reporting after Block was added as of XXXX 2020 Thank u
Complaint sub-issue: Their investigation did not fix an error on your report

I recently submitted back towards the end of XX/XX/2020 early XX/XX/2020 a Identity theft affidavit ( # XXXX ) ( to XXXX, Equifax, and XXXX who was also included along with the affidavit ; a copy of my drivers license, social security card, and a recent copy of a utility bill. The Affidavit included specific detailed information relating to fraud related accounts due to identity theft which were XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, and XXXX. XXXX  and Equifax  both failed to adhere to section 605b of blocking fraudulent information after being notified within 4 business days by a consumer. In addition XXXX  failed to investigate my dispute by responding with report # XXXX for XX/XX/20 stating they are declining my request and would require a copy of an identity theft report, drivers license, and social security card which is THE SAME INFORMATION THAT I SENT TO XXXX   WITH BOTH OF MY INITAL DISPUTES. This clearly violates section 609 and 611 of the Fair Credit Reporting Act and is a deliberate refusal to honor my request. Yet it has beyond 30 days and these fraudulent accounts still remain on my credit file which is against the FCRA guidelines. Due to the numerous violations these fraudulent related accounts should be removed immediately from my credit report from collectors as well as the bureaus.
Complaint sub-issue: Public record information inaccurate

On XX/XX/2022 Equifax reported that I had no public record because of a dispute I submitted. On XXXX XXXX Equifax put a public record ( bankruptcy ) on my report without notifying me. I never received a 5-day notice of the re entry. This is fraudulent and against the FCRA according to 15 U.S.C. 1681-1681X
Complaint sub-issue: Account information incorrect

I am writing to dispute  XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

RE : REQUEST FOR REMOVAL OF INQUIRIES To Whom It May Concern : Section 609 [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], there should be no charge for this information. 

Please remove the following inquiries from my report I have no knowledge of these companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely, XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2022 I spoke with customer service about my account and to notify them that my Federal tax return would be deposited, the account was closed anyway. On XX/XX/2022 CitiBank force my Federal Tax Return into that closed account and refused me access to my account. I have called everyday trying to get them to give me access to my funds. I have also spoke with supervisors and I have left my number for call backs. All I keep getting is if I wanted immediate access I can go to a branch ( I live in Texas, there is no branch ) or wait 30 to 60 days for a check to be mailed once my account is closed. If my account was closed on the XXXX of XXXX why was my taxes forced into that closed account? My utilities have been disconnected, my phone is disconnected and my rent is due. Wait for a check will have my family and I XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$570.00} and XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$0.00}.
Complaint sub-issue: Funds not received from closed account

I am trying to close my Optum XXXX account and transfer funds to my XXXX HSA. In XX/XX/XXXX, I submitted a " transfer of assets '' form to Optum to close the account and transfer funds to my XXXX XXXX. In early XXXX, I called to check on the status and was told that I needed to liquidate the investments in the Optum account. On XX/XX/XXXX, I liquidated the investments. I called Optum in XXXX XXXX and was told that the transfer was in progress. The money disappeared from the Optum account and I was told that a check had been sent to XXXX and should take XXXX days to reach XXXX. XXXX never received the check and Optum told me I needed to wait XXXX weeks. After over XXXX weeks, money was still missing. On XX/XX/XXXX, Optum cancelled the original transfer ( they said they canceled the check ) and the money was deposited back into my Optum XXXX cash account with the expectation that they would attempt again to transfer the money to XXXX. On XX/XX/XXXX, Optum reinvested the money without my permission. I was not notified and did not know about the reinvestment. On XX/XX/XXXX, I had a conference call with Optum and XXXX so that XXXX could provide the information needed to wire the funds. On XX/XX/XXXX, after calling Optum, I was told they could not transfer because the money was invested. I liquidated the investment again after losing {$2400.00} from the amount that was supposed to be transferred to XXXX in XXXX. I called Optum again XX/XX/XXXX and found that they still have not initiated the transfer. They have not credited the {$2400.00}. They keep giving me case numbers but when I ask about previous case numbers, cases have been closed with no resolution. In XX/XX/XXXX, I requested the transfer of {$61000.00}, but to date they are still holding my money hostage.
Complaint sub-issue: Information belongs to someone else

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. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

We purchased windows for our home Via a loan in the winter of 2019. The conditions allows us to pay off the loan in 2 years without the penaltyOf accrued interest. We have been making payments on the account, so far we have paid {$7000.00}. On all credit 3 credit reports the paid amounts are not being applied to the outstanding balance. The balance shown, is the original balance. I am seeking resolution in this matter. Thank you 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 XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency Can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 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 the believe that the information is inaccurate.
Complaint sub-issue: Account information incorrect

I have had a XXXX XXXX account reporting on my Equifax, XXXX  and XXXX   for a while now as a charge off status, XXXX  has reported it in XXXX and starting XX/XX/XXXX and has not updated since then, Equifax has been reporting but has not been showing in payment history, XXXX last reported this account in XX/XX/XXXX collection. It is evident that XXXX XXXX is not only erroneously reporting this account on my personal credit profile but it is also not reporting information correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.
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 719XXXX has me at a score around 590. 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 n 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX I opened up a Macy 's Credit Card. I was making my payments on time. In XX/XX/XXXX I filed for Chapter XXXX Bankruptcy and it was discharged.The credit Card was included in the bankruptcy. For some reason, the Macy 's credit card was still reporting on my credit report just recently and is affecting my credit score because it shows up as an inquiry/derogatory. 

I hired a 3rd party company to try and dispute this. They reached out to Macy 's but all 1st Macy 's did was update it rather than delete it off my credit report. I would like this removed off my credit report so that it does not report on my credit report anymore.
Complaint sub-issue: Information belongs to someone else

I reviewed my report again after submitting multiple disputes without a response back and this account still remains on my credit report, These two accounts are not mine
Complaint sub-issue: Credit inquiries on your report that you don't recognize

A few months ago I applied for credit and was denied for " too many inquiries '' I have tried multiple time to dispute these inquiries and ask that they be verified because I did not apply for credit on these dates. Equifax,  XXXX , and   XXXX   continue to send me letters saying they have reviewed the information and that they are factual. After the last unauthorized inquiry was placed on my credit file a fraud alert placed on my account. This should prevent any further issues. Please see that the unauthorized inquiries with the dates provided that I have listed please be removed. Per my investigation none of these companies received my written permission to obtain my credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Complaint sub-issue: Personal information incorrect

The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/2020
Complaint sub-issue: Reporting company used your report improperly

Please remove all fraudulent accounts I have no knowledge of these accounts due to the Equifax data breach/identity theft. All is being investigated by the FTC according to FCRA 605b. This information must be deleted.