Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2022 I opened an Online Savings and Money Market account with Discover Bank after receiving an offer via my credit card ( also with Discover ) for a quite high APR on the account. 

The account opening process went well, but when I tried to fund the account using my external bank account with XXXX the system locked me out and forced me to contact Discover for assistance. Discover 's customer service truly leaves a lot to be desired despite their constant reminders that " they're rated # 1and US based ''. 

After speaking to several people- all o whom gave me a different story - my account STILL hadn't been unlocked AND I was informed that XXXX is not an " allowed '' bank for me to send/receive money from. I asked who these magnificent banks are that are " allowed '' to be used to fund an account or transfer funds to, but the representatives were unable to answer that question. They were also unable to answer any question with a straight answer. 

The account remains open and Discover emails me constantly telling me I must fund the account, however they still have my online access suspended and apparently my primary bank - XXXX - is not to be trusted according to their rocket scientist customer service agents. I requested a supervisor call back, but - not surprisingly - did not receive one. Discover Bank SHOULD NOT be allowed to conduct banking operations if their representatives are so grossly incompetent and misinformed.
Complaint sub-issue: Account status incorrect

XX/XX/XXXX To : Consumer Finance Fr : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX Re : Complaint : CO : Corporate Headquarters. LoanCare LLC, XXXX XXXX XXXX. XXXX  XXXX, VA XXXX ( XXXX ) XXXX In XX/XX/XXXX I was billed twice for my XX/XX/XXXX mortgage payment. Spoke to numerous customer service repressive since XX/XX/XXXX whom all promised to resolve the matter. Request were made and submission of prove payment submitted, via canceled checks for last several month attached, still no action has been made to rectify this matter. After several months working with multiple representatives in XX/XX/XXXX the LoanCare reported my name to major credit bureaus for late payment destroying my credit report. Since transfer of mortgage I have been attempting to rectify the amount my monthly payment from {$1700.00} to approximately {$1400.00}, according to the stipulation mortgage prior to the transfer of my mortgage which should be monthly my payment.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Greetings, to whom this may concern, I am submitting this complaint because I have noticed several inaccurate accounts and inquiries on my credit report without complete disclosure. I feel like I havent had a fair chance to obtain credit because of these inaccuracies and according to the Fair Credit Reporting Act ( 15 U.S.C 1681 ) I have A Right to a FAIR and 100 % COMPLETE Credit report. These violations of the Fair Credit Reporting act has caused me a great deal of XXXX and XXXX XXXX Please help me resolve this matter I have tried disputing but nothing works. I really appreciate you taking the time to hear my complaint.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of DisputeXXXX Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor 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 following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2021 Balance : {$120.00}.
Complaint sub-issue: Information belongs to someone else

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. I have already sent XXXX validation letters via mail. I have not received a response or update in regards to this matter. 

All accounts in dispute listed below : XXXX XXXX XXXX Account Number : XXXX Best Regards, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

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 sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  XXXX
Complaint sub-issue: Problem getting your free annual credit report

XX/XX/18 On XXXX, all the information was provided completely and accurately ; however equifax refused to provide my credit report. The report was denied with no explanation.
Complaint sub-issue: Account status incorrect

Question for XXXX  Student loans still appear on credit which has adverse effects on ones financial ability to obtain credit worthiness for issues and products and services.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2020, I opened a Citi Priority Checking and Savings account. Soon after ( within 30 days on XX/XX/2020 ), I transferred an amount of {$50000.00} from my XXXX account into the new Citi account, and the terms indicated that I will receive a bonus of {$700.00} if I maintained that balance for 60 days. I continue to maintain the balance but have receiving no bonus. 

I have previously complained and Citi said it was too premature. Complaint ID XXXX. Since then, I spoke to them as well and a rep confirmed that I am eligible and raised an internal inquiry and I have not heard back from Citi. 

This has now taken more than twice the time Citi has promised for the bonus for account opening, and this is really deceptive way for them to get and keep my deposit.
Complaint sub-issue: Problem with fees

On XX/XX/2019 I transferred my debt to Commerce Bank and wasn't told about interest on purchases. Then i made purchased varies in dates and found the first interest charge. Well I kept calling to find out how much I needed to pay to have the interest to stop. I kept paying what i was told and still being charged interest. On XX/XX/19 I  finally asked to speak with manager and the guy said he couldn't tell me anything other than that i still needed to pay XXXX dollars. He couldn't tell me how much more i needed to pay to get it to stop. So some of my payment went to the purchases and the balance. So I am being robbed. I asked for the XXXX interest charge to be removed if i paid the amount that day and the lady on XX/XX/XXXX submitted it. The manager said it got denied because it wasn't a bank error.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent out letter to Equifax XXXX XXXX regarding inaccurate and false information on my credit report. It has been over 60 days and I have not received and type of response yet. I feel as if Im being taken advantage of, and my disputes are being ignored by the credit these three credit reporting agencies. Section XXXX XXXX a ), it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has gone over the 60 days and these items should be immediately removed and deleted promptly. I demand these accounts be deleted immediately. If these items are not removed I will be forced to file for litigation due to stress that has been caused because of this. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I believe that I am a victim of identity theft and these agencies refuse to acknowledge my cries.
Complaint sub-issue: Account status incorrect

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1666B says a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please update these accounts to show no late payments or remove these accounts from my report
Complaint sub-issue: Debt was paid

Harrassment by a company called Hunter Warfield who is seeking to collect a PAID obligation in the amount of {$1200.00}. The amount is representative of charges remaining upon termination of a lease with XXXX XXXX, an apartment complex in XXXX XXXX, Tx that is owned by XXXX XXXX XXXX. I made payments to XXXX XXXX 's management plus additional payments to this Hunter Warfield who is the debt collection agency that was engaged by parent XXXX XXXX XXXX. I fully paid the obligation over a span of several months a total of {$900.00} in payments. The remaining {$300.00} was paid via application of the pet deposit that was paid to XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

EQUIFAX is reporting an account with XXXX XXXX as past due and as my account. Ive disputed this account with Equifax however equifax keeps stating this account is mine and I do n't have a mortgage with that company nor have I ever. Im assuming this is on my report from the security Breach that Equifax had. They need to remove this from my account.
Complaint sub-issue: Account status incorrect

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX ACCNT # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 60 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Complaint sub-issue: Reporting company used your report improperly

THIS IS MY 2ND ATTEMPT TO RESOLVE THIS MATTER WITH XXXX WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE XXXX, EQUIFAX and XXXX DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. DEAR EXPERAIN***** PLEASE READ THIS TIME*** ACCOUNTS SHOWING AS A CHARGEOFF SHOULD NOT SHOW ANY BALANCES***** Despite XXXX, Equifax and XXXX has refused to remove these fraud related accounts after receiving an overwhelming amount of supporting documentation, it has come to my attention that these accounts are currently reporting inaccurate or wrong information and must be deleted from credit file immediately in accordance to the Fair Credit Reporting Act. Account XXXX XXXX XXXX XXXX XXXX shows balance of {$2500.00} as of XX/XX/2022. Account XXXX shows a balance of {$1600.00}. The Account XXXX XXXX has a balance showing {$690.00} as of XX/XX/2022. The Account XXXX XXXX XXXX shows a balance of {$1600.00} as of XX/XX/2022 and The Account XXXX XXXX XXXX a balance of {$11000.00} as of XXXX Accounts are currently appearing on my credit due inaccuracies but for some reason Experian, Equifax and XXXX XXXX to report these inaccurate balances on my credit file and is a clear violation of the Fair Credit Reporting Act. I am aware and read the FCRA laws which these reporting agencies have broken.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Debt is not yours

HI Ntl Recovery Agency ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX  for code of ethics violations.
Complaint sub-issue: Didn't receive notice of right to dispute

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX  information XXXX XXXX XXXX misused at XXXX  I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Complaint sub-issue: Problem lowering your monthly payments

I applied for all fixed interest loans and some how most of my loans are variable interest student loans. I asked them about this and all they told me at XXXX XXXX is thats just what they are. I already pay 12 % and up in interest and its subject to just keep getting higher. I know for a fact I applied for fixed interest so I wouldnt have to deal with the increase in interest rates later on but didnt think I needed to keep that as proof. Shouldve known better.
Complaint sub-issue: Problem lowering your monthly payments

I have had it with Sallie Mae. Not o my have they told me I can only forbear my loans for a year, they have continuously messed up my account. I always have to give them a call to fix a forberance, because for some reason their agents do not have the common knowledge of what accounts to forbear. I asked on  XXXX   XXXX  ( for the second t ime ) to fo rbear my loan ending in  XXXX . The first time they missed it, I assumed it was an error so I called and asked them to fix it. I already paid my  XXXX  dollars to forbear my loans, I have the loan numbers and everything ( something I would expect the agent to know already since they ask for all your information before hand ). Some how, they still want to show that my loan is not forbeared AND that I am behind on my loan! If I called on the    XXXX   XXXX   XXXX    and attempt to get it fixed ; while being assured it is fixed ... I expect to see it fixed on  XXXX   XXXX ! I am tired of dealing with Sallie Mae. To know that the only way you can get a repayment plan is of you default on your loans ( was told by consumer advocates ) sickens me! I regret ever using them! Something needs to get fixed, before I seek legal counsel. This is literally the third time this happened, and the second time I am making a complaint about it. I am so lost on what to do, and I feel like I should just let them all default and stop trying to make payments because I wonder if they are even going through! If my forbearance can not go through, what makes them think I believe they received my payments ... Or trust them with my bank account information! I am a new mother! I work full-time, and my income level is not going to work for what they want me to pay back every month, let alone the manner they treat their borrowers.     I am adding the screenshot of when I called them, and my balances!
Complaint sub-issue: Was not notified of investigation status or results

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX