Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report and need to update from reporting. 
Late Close : XXXX XXXX-Balance {$130.00}
Complaint sub-issue: Account terms

this debt XXXX XXXX XXXX was in bankruptcy XX/XX/XXXX. Per XXXX and XXXX they both show this to be XXXX balance and filed in bkruptcy,,, Equifax does not. Put in a dispute on XXXX XXXX with Equifax and then again to check on in XXXX XXXX, and then again to check in on XXXX XXXX. XXXX XXXX the girl said " XXXX '' said to send in documentation and will be resolved within XXXX hours. I did send it in on XX/XX/XXXX showing the bankruptcy papers and today I called in and no one would even speak to me. I being the wife of the account in dispute spoke to everyone since XX/XX/XXXX and today they do n't want to speak to me. All I want is this cleared if I sent in documentation for this and seeing that the other XXXX credit reports show it cleared as well. This should show XXXX balance and in bankruptcy. XXXX account was for XXXX Bank sent in as a dispute to state this is a XXXX balance. It shows as XXXX balance but Equifax is refusing to remove the dispute. On this XXXX the XXXX balance is correct it just needs the dispute information gone we are NOT disputing a XXXX balance account.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2022, I notified Citibank of a dispute with a purchase made on the account on XX/XX/2022, in the amount of {$490.00}, and on XX/XX/2022, and XX/XX/2022, upon request, I provided a detailed explanation, in writing, of the dispute. However, on XX/XX/2022, I receiver a letter from Citibank stating that " we have received your recent correspondence regarding the above transaction however, we are unable to intervene on your behlaf. Without a valid Cancellation Proof, we no longer have any recourse to obtain a credit for you through XXXX XXXX. You must contact the the merchant directly to puruse this matter further. '' By letter dated XX/XX/2022, I notified Citibank that it miscoded the dispute, and reiterated the basis for the dispute. Specifically, I explained that " this was a face-to-face transaction. The service was promised on XX/XX/2022 ; however, it was not received nor rendered on the date promised. Furthermore, I did not agree to any of the merchant 's terms and conditions, and did not sign any documentation provided by the merchant since the service was not received nor rendered on the date promised- which is proof that the service was not received nor rendered on the date promised. '' I also advised Citibank in that same letter that " the sale transaction reeipt was not signed authorizing the merchant to charge the transaction to the account. '' I therefore requested that that merchant provide a valid cardholder signature that authorized the transaction to be charged to the card. I pointed out that " unless the merchant is able to do so, it is not entitled to retain the funds and this transaction must be charged back to the merchant. '' Despite this correspondence, Citibank has failed to do anything or take any action to resolve this dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a request to investigate personal information as well as accounts I did not recognize on my XXXX  report. I sent in identifying documents such as drivers license and SSN card. I received a letter saying they were not going to reinvestigate my claims and they sent me a copy of my credit report with the same information reporting incorrectly. They also asked for me to send in ID and SSN In order to effectively handle my dispute however I had already originally sent the SSN and Drivers license in with the original dispute which leads me to think they never viewed or investigated any of my concerns instead they just sent an automated rebuttal letter refusing to fix the errors they are reporting on my credit.
Complaint sub-issue: Fee problem

US bank has taken many illegal overdraft fees from me. I have called them multiple times about this issue and nobody cares. I have multiple peers with the same issue, and they all have closed down their US bank accounts because of both my experience and their experiences. US bank purposely withholds funds from going through and doesn't properly show the correct banking balance in order to charge overdraft fees. I have the setting turned on to prevent this. They also wouldn't allow me to turn off a setting that transferred {$100.00} each week when I continuously turned it off. It would send my account into the negatives on purpose. US bank targets young college aged students because they think we are stupid, but evident illegal tactics are being involved. This illegal tactic has taken over {$1000.00} from me and they won't allow me to close down my account and file a settlement. I will continue to tell people to leave US bank to protect their funds until my problem is solved. All I know is I do not have the same problem with XXXX XXXX XXXX, they are a fair bank and way better than US bank who likes to cheat their customers out of money during COVID when everyone is already struggling financially. It makes me sick.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting. 
XX/XX/XXXXXXXX XXXX {$7100.00} XXXX {$780.00}
Complaint sub-issue: Old information reappears or never goes away

Since XX/XX/2022 I have sent Equifax multiple disputes questioning the certifiable compliance of an account on my Credit report called XXXX XXXX, Account # XXXX and XXXX. Both of the original accounts were deleted and then added with all of the same information except the date opened. I continued to dispute sending another compliance dispute letter on XX/XX/2022. I just reviewed my credit report and both accounts have been added yet again with a open date of XX/XX/2022. So now I have the original two XXXX XXXX accounts deleted, and two duplicates of each account reporting on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

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 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 items of information, other than records of convictions of crime which antedates the report by more than XXXX 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 have reasonable cause to believe the information is inaccurate.
Complaint sub-issue: Account information incorrect

In XX/XX/2016 I and my wife loaned {$3000.00} from XXXX XXXX {$1500.00} each to buy a piece of furniture and immediately we started paying the loan using my account and making payments of {$500.00} every month. In a years time, we payed off the loan amount including interest totaling an amount of {$6000.00} and some change. Since XXXX never sent us any statements of payments and balance during the period of the loan, I had to change my bank account at some point when I realized that they kept withdrawing money from my account with an explaining as to what we are still paying for. 

I am now surprised to see that XXXX XXXX sent my information and that of my wife to collection starting that I still owe them {$2500.00} while my owes them {$2100.00} meanwhile we had payed them more than {$6000.00} meanwhile the money we borrowed from them was just {$3000.00} .This is very ridiculous and I am demanding a thorough investigation and complete removal of this item from my credit report.
Complaint sub-issue: Reporting company used your report improperly

I have no knowledge of this account and opened an investigation with no resolution after 30 days. I only received an invoice with my very old address on it but I never seen this doctor and he is not in my medical history. I lost my drivers license years ago with that address so I believe someone fraudulently used my ID but this is not my account and a debt I owe. 

COMPANY : XXXX XXXX ACCOUNT # XXXX AMOUNT : {$260.00}
Complaint sub-issue: Received bad information about my loan

This past year I officially changed career fields to follow my passion, going from business to education. Taking advantage of the  XXXX   Grant (  {$8000.00} upfront for school fees in exchange for serving in a high need field in a low income school ) allowed me make this change.     I am now fulfilling the goal of the program working as an  XXXX    XXXX   in a   XXXX   XXXX   XXXX    (   XXXX   XXXX   XXXX   XXXX ,  XXXX , MN ). Recently, I received notice that my {$8000.00} grant was turned into a loan that I have to repay because I did not follow their fine print rule of informing them that I am in fact fulfilling the goal of the program. They sent three notices by email that went to my junk mail before I could read them, and then they sent a piece of real mail to my house stating that my grant had been converted. They claim there is nothing I can do to reverse it.     I believe it is unjust that I could so easily be robbed of my grant when I am fulfilling the goal of the program. Additionally, the fact that I did n't receive a paper copy notice until it was too late makes their communication process seem inadequate.
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, 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: Their investigation did not fix an error on your report

The major credit reporting agencies ( XXXX, Equifax, XXXX ), are giving lenders too much power over information reported by lenders about consumers. Credit reports/scores reflect whatever lenders are reporting including inaccuracies which has a catastrophic effect on consumers creditability. All of my accounts both open and closed are currently in good standings and have been since the duration of the account ( s ) open, yet my credit score continues to decrease. It went from a XXXX FICO score to XXXX within a year and a halfs time ; all without having one single negative remark. As a result, I have been turned down for employment as well as credit/loans based off of scores even though my payment history is 100 % paid as agreed for all my accounts. Creditors are manipulating the impact on the information about my consumer credit reports and are prolonging the resolution process by repeatedly reporting inaccuracies. Meanwhile, I continue to miss out on opportunities that would have been available to me had an accurate account of my creditworthiness been reported. There were times I made large payments and even paid off balances and my credit score continued to decreased based off of utilization and balances. Lenders have fabricated the details of their reports causing other lenders to close accounts that were in good standing. Many creditors have also decreased the credit limits on many of my good standing accounts causing my utilization and balances to spike to and above the available credit limits. Currently, creditors are manipulating consumers credit reports to accommodate for their own benefit rather than the consumers. Creditors are disregarding the set backs due to the XXXX pandemic and over flexing their powers to report consumers creditworthiness. They are offering relief to consumers but are not honoring the offers and/or maximizing higher interest opportunities during the relief process. Creditors are capitalizing off of the fall of the economy during the pandemic and taking it out on the consumers. Credit reporting agencies are enabling creditors to misrepresent consumers creditworthiness.
Complaint sub-issue: Investigation took more than 30 days

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 180 days and 3 dispute letters to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Complaint sub-issue: Reporting company used your report improperly

Accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number # XXXX And US DEPARTMENT OF EDU Account number XXXX has Violated my rights. 
15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also they do not have any permissible purpose to furnish my person information to any third party 15 UCS 1681b.
Complaint sub-issue: Problem accessing account

I am writing on behalf of my father  XXXX   XXXX , who is happily retired and resides in the  XXXX   XXXX   (   XXXX  ). He attempted to use his ATM card at an ATM machine in the  XXXX   XXXX  as he has done so for the last twelve years, since retiring to the  XXXX   and  the machine did not return his card. He was advised by bank personnel, that he should contact his ban k ( Banco Popular ) in    XXXX   XXXX  , where he opened the account, so they can send him a new one. Issue  # 1  :  Banco Popular d oes not have an  XXXX  number accesible from the  XXXX   XXXX , which made it almost impossible fo rhim to contact the bank. He had to call me in the  US (   XXXX   XXXX   ) an d have me conference in  Banco Popular who g ave him the run around, before hanging up on him several times, because they were frustrated that he ( at  XXXX   years old  and with an education level of   XXXX   XXXX  , was unable to answer the questions they were asking him. When we finally got through to a representative who was willing to assist him, she ordered the new card for him, but told him she was unable to send to his address  in  XXXX  and  he would have to travel to  XXXX  to pick-up ... He asked if he could change his mailing address to his sister 's house, so she would be able to send via   XXXX   upon receipt. The rep advised him that she would have to transfer him again to the queue, so they can assist him. He was on the phone for over an hour and the issue was not resolved. I called last week and explained the situation to a rep and she advise d me ( hi s son ) that a manager would call him back ... it is  now one w eek later, no call back, so he called again this morning and verified all his personal/pertinent information, but because he was unable to answer questions pertaining to a  XXXX   XXXX  and "  XXXX  '', they told him he was unable to update the address. When he asked who is  XXXX  and  XXXX , he was advised that the ban k security system u ses random questions, about individuals tha t may or may n ot be associated with him .... Issue  # 2 ... this totally confused him, he verified name, SSN, DOB, Address in  XXXX , amoun t being deposited into his account and they were unable to address his concern. They told him he would have to travel to  XXXX  to speak to a rep at the branch .... this is a  XXXX   year old  retired man, who lives on a fixed income and depends on these funds for his survival ... he is unable to afford a plane ticket to th e US, jus t to speak to someone in person and the next time he is scheduled to visit, is when he has a doctor 's appointment in   XXXX / XXXX . There  should be an easier way for retired individuals, who spend their whole life working in th e US and saving their small paychecks to be able to retire in peace, to be able to communicat e and resolve simple administrative issues with their financial institutions.
Complaint sub-issue: Problem getting your free annual credit report

I am trying to Log In to Equifax to get my free credit report. My password does not work, the same password I wrote down years ago. 

OK, fine, so I use their system to send me a password reset. 

This is what I get, over and over again. ( See attached ) No code, just a message : " Your Verification Code ''. NOTHING ELSE. I have no idea why. ( see three examples of this attached ). 

I have tried this multiple times and get the same result. 

So I try to call in to speak to someone. They lead me through this entire process then say " No agent can speak to you now ''. OVER AND OVER AGAIN. 

They tell me to mail in documents. WHAT DOCUMENTS?? I AM TRYING TO LOG INTO YOUR SYSTEM. There is no process by mail to get this information. 

Please have them contact me somehow with the email they already have XXXX because I have no way to fix this.
Complaint sub-issue: Information belongs to someone else

Upon applying for a loan at my XXXX XXXX XXXX XXXX, XX/XX/XXXX. I have XXXX XXXX downloaded on my phone. That night i got a ding from XXXX XXXX. XXXX XXXX XXXX had hit my credit ... like i had applied for a loan there. I have not. Also, XXXX/XXXX had onXX/XX/XXXX. And XXXX on XX/XX/XXXX ... There is no reason for any of them to hit my credit. As a result my Credit score has gone down from XXXX to XXXX and XXXX. I would like to know why and how they acess my account without me asking them to. I am trying to get my credit back in check. Any help you can give me would be much appreciated. 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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

I have been a customer with your company since XX/XX/2018, and during that time, have enjoyed our experience with LOANCARE greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have two late payment ( s ) on the above referenced account in XX/XX/2018 and XX/XX/2018. Since that time, I have been an exceptional customer paying every month on time and never 30 days late.
Complaint sub-issue: Their investigation did not fix an error on your report

I have an account with XXXX capital that is not reporting on my Equifax credit report that should be reporting. There are XXXX accounts XXXX reporting XXXX and XXXX that is supposed to be reporting XXXX. The XXXX account is currently not reporting in Equifax only but is reporting on the other CRAs I will provide the account number below for the account that is not reporting but should be I have tried to fix this on both ends I was given a. Letter from credit strong the furnishers of the account to help the situation XXXX XXXX XXXX XXXX XXXX  should be reporting on my credit report
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX filed an identity theft on two separate occasions, whereas my Sears Card was stolen and I also initiated an initial police report in XXXX, and another one in XXXX of XXXX. Citibank N.A. owned the account and still pressured me that they would not remove a negative tradeline until I at least made some type of financial settlement. Citibank N.A. through a third-party collection agency known as XXXX XXXX XXXX XXXX knew that through the Fair Credit Reporting Act that my credit report could be used as XXXX of my credit worthiness. Therefore, I had no choice but to pay a settlement that could not even be enforceable in Massachusetts courts. It has been eight months and Citibank N.A. is still posting this Sears account as Past Due {$3500.00}. The account was an identity theft claim and should be deleted permanently. This is a clear violation of my rights under the Fair Debt Collection Practices Act, and Citibank N.A. is in clear violation of their subscriber agreement with the credit reporting agencies. This accounts must be purged 100 % permanently!!!
Complaint sub-issue: Account status incorrect

My correct contact information to advise me of payment amount, payment due date, and name of company to pay was incorrect when the account was opened and the original contact information on my account belongs to someone else. I only found about these errors when 30 day and 60 day late payments showed up on my credit report. I called the merchant listed on my credit report and advised them to correct my contact information and told them to remove the late payments after I brought my account current. They can not report me as late paying when they never contacted me to give me the information to make payments.