Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Non-sufficient funds and associated fees

My first time was on XX/XX/XXXX. Money was taken from a debit card. For XXXX at XXXX in XXXX, Il it was from my Direct Express Card then the next time, I had money come off my XXXX checking acct for XXXX. I believed my apartment has hidden camera because when trying to send emails I can't and the wall and floors tap is their anyway you can help me because this has happen several times I'm trying to move. Whoever is doing this to me is nearby. What do you suggest? Please help
Complaint sub-issue: Received bad information about your loan

First, I received notification that my application for the one-time Student Loan Debt Relief Plan was approved. Then, I received an email stating that was a mistake due to a vendor error. This massive mountain of debt causes me undue stress and anxiety on a daily basis. It prevents me from doing a lot of things, like becoming a homeowner. These XXXX XXXX notifications spitting out conflicting information that deeply affects millions of lives are irresponsible and negligent. They add to the mental strain and perpetual emotional roller coaster and are extremely taxing and harmful to my health and wellbeing. Im not sure what entity is responsible but they should be investigated, prosecuted and fined for the mass uncertainty and chaos caused by their careless, thoughtless and incompetent actions. In addition I spent XXXX hours on hold to finally speak to a representative who was very helpful. After I submitted my PSLF application I finally received a notification from MOHELA that only 3 payments were eligible and that I still need to pay XXXX. I had previously understood that all my payments over five years Ive worked for the government entity should be counted and that I would receive credit for making every payment through the pandemic forbearance. I requested a refund of those payments weeks and weeks ago. This company can not handle the volume and they are an inaccessible monolith.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed through XXXX XXXX because XXXX will not let me dispute anything online. There is an old lease ( XXXX XXXX XXXX ) that is reporting with a balance of {$4800.00}. This balance has been paid in full through the dealer when I returned the car. I did re-lease a new car through them however its showing on my XXXX credit report that I still have this amount. I confirmed with the dealership and it has been confirmed the debt is paid in full and there is a XXXX balance on the XXXX XXXX XXXX. Having this extra debt reporting which is incorrect is affecting my credit score. Its XXXX of debt that I do not owe. This amount is hurting my debt to ratio number.
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 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 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: Information belongs to someone else

Yes hi my name is XXXX last year ago I have noticed several inquiries on my credit report from XXXX card. I gave them a call to let them know that it was fraud been done in my name and asked that they fixed the problem. They told me that they would but never have and this was last year some time in the summer of XXXX. So because they handle the situation properly I called XXXX and let them know of the situation what was going on. That it seems as if someone has stolen my identity, they did put a block on my social security number and also removed the XXXX card off my report. In XXXX of XXXX or XXXX I believe but here it is XX/XX/XXXX and it pops up again on my credit report. I have been rebuilding my credit over so I can buy me a house these hard inquiries keep putting a ding in my score. I'm really getting irritated by it cause it's getting out of hand my next step is to Laywer up and Sue XXXX card I'm trying to avoid going this route so can you all please help.
Complaint sub-issue: Account status incorrect

When I apply for a credit card or credit services I am denied because I'm told that I have accounts seriously delinquent. My account status shows 100 % payment history in all accounts.
Complaint sub-issue: Funds not handled or disbursed as instructed

Divorced in NY, XX/XX/XXXX, ex spouse maintained full control of my Citibank, XXXX, NY checking account during and after divorce, XXXX. 
This action in contempt of divorce judgment and stipulations. 
All deposits into my account and withdrawals rerouted, bifurcated, used to pay off his personal debts. 
I have received some of the copies of checks requested, they are either washed and forged or endorsed with 3-4 unique accounts owned by my ex spouse. 
XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Placed an order online with the Citi credit card on XXXXOn XX/XX/22 the merchant email stated that they are unable to ship until the end of XXXX. I respond and asked them to cancel the order and no response from them. I opened a dispute on XX/XX/22 on Citi website due to no response/item not received. On XX/XX/22 Citi closed the 2 months investigation and reversed the credit. From the merchant 's documentation Citi provided I do NOT see any supporting evidence that the merchant has shipped the merchandise. It looks like a payment confirmation to me. I also went into my order from the merchant 's website, my order is still in process that has not shipped.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent letters four different time to these companies and credit bureaus. and everyone is sending letters back stating verified. I ask for copies of documents and I receive no response. I never applied for a car loan.
Complaint sub-issue: Problem using a debit or ATM card

Cash APP and XXXX XXXX XXXX  are allowing individuals use their apps for fraud. I run a XXXX practice and have received weekly emails pretending to be a therapist in my practice wanting their bank information to be changed to a fraud account. Today go one again, either from XXXX XXXX which uses cash app or XXXX XXXX in attempts to send funds. see actual account and routing numbers as recent as today.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is reporting an account on my credit that is not mines
Complaint sub-issue: Public record information inaccurate

i wrote LEXISNEXIS RISK SOLUTIONS INC. on XX/XX/2021 about them reporting and sharing inaccurate and incomplete information on my credit report.I attached a copy below to delete the bankruptcy from my file.
Complaint sub-issue: Report improperly shared by CRC

Equifax is reporting unverified accounts on my credit report. This is in violation of Section 609 of the Fair Credit Reporting Act. which states that all account contracts need to be verified.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$770.00} XXXX XXXX XXXX XXXX .... Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXXXXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX XXXX . Balance : {$4200.00} XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX & XXXX XXXX Balance {$160.00} XXXX XXXX XXXXXXXX Balance {$4800.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Complaint sub-issue: Public record information inaccurate

I have attached a letter from a credit reporting agency stating they have done multiple reinvestigations with a third party vendor verifying the bankruptcy in question. The third party vendor LexisNexis doesnt have a reported bankruptcy against me on their credit file held under my SSN number. How is the credit reporting agency verifying data during a reinvestigation with LexisNexis when theres nothing there to verify? Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. LexisNexis furnished this inaccurate unverifiable information to the credit reporting agencies, so they must furnish new information to the credit bureaus to remove the information.
Complaint sub-issue: Information belongs to someone else

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.
Complaint sub-issue: Trouble with how payments are handled

I am a public interest attorney and have been on the income based repayment plan ever since in XX/XX/XXXX. I have not missed any payment because of the Loan Repayment Assistant Progam that covers my monthly payment. 
For the year XX/XX/XXXX, I was late with recertifying my Income Based Repayment plan for 3 weeks ( the deadline was XX/XX/XXXX, but I submitted my recertification request on XX/XX/XXXX ). I missed the deadline because I was not aware of the deadline. My lender sent me a notification prior to recertification deadline twice via email only, but I was not checking the email account since that email account had been hacked previously. Now I just learned my interest has been capitalized and the principal loan amount increased as of XX/XX/XXXX. I called my lender several times to understand why it happened, and each time, different representatives gave me mixed answers- one told me it was because I was on forbearance, which I was not even on at that time, and someone else to me that it was because I made too many {$0.00} payments. I was not convinced with those reasons, and still called the lender several more times, and I got the most convincing answer that it was because I was late with my recertification request. I agree that it was partly my fault that I was late with recertification request, but the consequences of it, which is capitalization of interest, is too harsh for one negligent act, which was not intentional. I have been talking to my lender if I capitalization of interest can be undone in lieu of payment of penalty, but the lender says there 's nothing can be done.
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. 

Account name : 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 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: 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 XXXX XXXX XXXX. 

XXXX BANK # XXXX, XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX AUTO 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 an 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # 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
Complaint sub-issue: Their investigation did not fix an error on your report

My police report number is XXXX. XXXX XXXX Police Department. 

I have errors on my credit reports that I have been trying to remove for years unsuccessfully and the credit bureaus have continued to list them as valid. These are fraudulent reporting errors and I wish them removed immediately. 

XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3800.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$2600.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$37.00}, XXXX written off. {$37.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$37000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$34000.00} Highest balance {$0.00} Terms 74 Months On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7400.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$6000.00} Highest balance {$0.00} Terms 36 Months On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Transferred, closed. {$420.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$420.00} Terms NA
Complaint sub-issue: Information belongs to someone else

I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, XXXX and Equifax back in XX/XX/2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Driver 's license and social.
Complaint sub-issue: Account information incorrect

Payments in the amount of {$2900.00} from XXXX/2022 - XXXX/2022 are not reflecting on my credit reports from LoanCare. I call in regularly to get this resolved and it has not been resolved.
Complaint sub-issue: Problem lowering your monthly payments

At XXXX on XX/XX/2022 I called Sallie Mae in an attempt to lower my monthly payments or put my account into deferment. I was transferred to someone in a special department who enrolled me into a rate reduction program. I was told my original payment of {$450.00} would be reduced to {$210.00} for two years. I gave my first payment for XX/XX/2022 over the phone and enrolled in automatic payments for that amount. It was taken out of my account that same day. I was even read an agreement and agreed to terms on the phone and agreed to {$210.00} to be automatically taken out of my account monthly. I was on the phone for a total of XXXX minutes with Sallie Mae representatives on that day. 

On XX/XX/2022 I received an email that I was behind on my payment. I thought it was for sure a mistake. I got on the Sallie Mae chat in the app and told the agent it must have been a mistake and explained the above. The agent however stated that there was nothing on my file regarding a reduced payment program and that my payments would still be {$450.00} a month. 

I am a XXXX XXXX XXXX  student starting clinical rotations with random hours throughout the day. I can not get a job due to being a XXXX XXXX XXXX student and can not afford the whole payment. I was so relieved when the agent enrolled me in the reduction payment program and this has caused me significant XXXX  agony and XXXX as I'm trying to study for my board exams coming up. I hope there is a recording from Sallie Mae to prove that I was told that I was enrolled in the rate reduction program for 2 years.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I had a bankruptcy that was recently removed from my credit history. While my credit ratings with two agencies went up slightly, my credit rating with EQUIFAX FELL by 79 points in one day. The web site indicates that the ONLY CHANGE to my credit report was the removal of this bankruptcy. I have tried to contact them and have been unable to get an answer as to why this has happened. This could seriously damage my ability to obtain a mortgage and I believe that it is an error.
Complaint sub-issue: Debt is not mine

An account was opened with part of my information, not even all of the correct information and I closed immediately after. I never received service from XXXX XXXX, was never hooked up to XXXX XXXX, and never had a valid account. However they sent me a bill, when I called to dispute I was given the run around and transferred from department to person over and over then eventually hung up on. I have been hung up on multiple times while trying to call them to dispute this. I have sent emails to their company where they either do not respond, or tell me that the issue has been resolved. Only to find that I get another bill. I called again and was finally told the issue was resolved and my name ( even thought not even spelled correctly ) had been cleared. I had't received a bill in months, only to now get a letter from a debt collectors agency. When I called XXXX XXXX again to speak with a higher up manager, they hung up on me, again.
Complaint sub-issue: Inadequate help over the phone

I 'm paying Equifax for XXXX monitoring. They alerted me XXXX XXXX XXXX pulled my credit. Equifax gives the same response every time I call to dispute an inquiry. They tell me I have to contact the company who pulled the report. I spoke to XXXX XXXX XXXX because they pulled my credit report in XX/XX/XXXX and in XX/XX/XXXX for a company out of XXXX, FL called XXXX XXXX XXXX. I filed a complaint against XXXX XXXX XXXX and they contacted XXXX XXXX XXXX. XXXX XXXX XXXX told me they do n't pull credit reports for bankruptcies. XXXX XXXX XXXX is set up with them to pull credit reports, but not for the purpose of a bankruptcy. XXXX XXXX XXXX said they would contact the credit bureaus to have this corrected. Now I 'm showing another hard pull from XXXX XXXX XXXX from XX/XX/XXXX. It is obvious this is a clerical or data entry error because it matches the date the pull was done on XX/XX/XXXX. Equifax will not help me. XXXX XXXX XXXX is telling me I have to contact XXXX XXXX XXXX and my relationship with them is severed. XXXX XXXX from XXXX XXXX XXXX in XXXX, FL told XXXX XXXX XXXX I tried to refinance my mortgage and it was not an option for me so I had to file bankruptcy. I have never had a mortgage and this was their way of keeping their relationship with XXXX XXXX XXXX in good standing. This was fraud and is unethical. I signed a retainer in XX/XX/XXXX for my attorney XXXX XXXX XXXX who 's office is in the same space as XXXX XXXX XXXX. My bankruptcy was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Equifax really needs to remove this inquiry. It lowered my score by XXXX points. XXXX XXXX said they do not have a record of pulling the report on XX/XX/XXXX, but XXXX XXXX XXXX is the company which has to get it removed. How can I get them to remove it when they may have put it on there in retaliation of me filing the complaint with the XXXX of Pennsylvania. I have sent a complaint against XXXX XXXX XXXX with the Florida Attorney General. I will be filing a complaint against them with the XXXX of South Florida and I 'm filing a complaint with the Florida Bar Association against my attorney. She had no reason to delay the filing of my bankruptcy for an entire year. 


Alerts XXXX XXXX XXXX XXXX monthCurrent XX/XX/XXXXEquifax - InquiryArchive this alert |Hide alert detailsAn inquiry was made by XXXX XXXX XXXX XXXX for your credit file.