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

I opening a savings account with credit karma last year when I filed my taxes. Unfortunately my last stimulus payment went to that account, the 2 before that did not. Ive been trying for almost 2 weeks to link my bank account. There is no phone number to call, and every time I reach out on support I get someone different and they give me the general steps to link an account ( which is not working ). Once I finally get across that I need something else to be fixed on their end I never hear back they will pass it along to someone more experienced with the problem and I never hear back, just to start the process all over again a few days later. I tried going to my bank and having them pull it from this end, only to succeed for it to be reversed a few days later. This is entirely too much money to leave floating out there, especially when its needed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX This letter is a formal request to delete the inquiries listed below from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. With that being said the inquiries are violating the Fair Credit Reporting Act, Section 1681 b ( c ) : Transaction Not Initiated by Consumer and need to be removed immediately. 

1. EQUIFAX MORTGAGE SERV - Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. XXXX XXXX - XXXX on XX/XX/XXXX XXXX. XXXX XXXX - XXXX on XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. EQUIFAX MORTGAGE SERVICE- Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX When the inaccurate information has been removed I would like a copy of my credit report mailed to me. The report should include all personal information, all other inquires, and all balances updated. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: You never received your bill or did not know a payment was due

From XX/XX/XXXX to XX/XX/XXXX never received a bill from citi diamond preferred card now they finally have a debt collector call me fee after fee later and put a d on my credit report. I am beyond mad and there customer service is awful
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information is missing that should be on the report

They are reporting the wrong information such as my address and my name
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent Equifax a letter asking them to remove several fraudulent inquiries from my Equifax consumer report. They responded saying ; Inquiries are a factual record of file access. The problem is I never gave ANYONE written permission to access my files. I explained that the inquiries were fraudulent, but evidently they didn't believe me, so I am now submitting this complaint along with my Federal Trade Commission Report # XXXX as proof that the inquiries being reported are fraudulent. Under 15 U.S.C 1681b it lists several examples of when a consumer reporting agency can furnish a consumers information to a person. The example of a consumer giving written instruction to the consumer reporting agency to furnish a consumers report to a person is the ONLY reason any person should have had access to my file. If I personally did not give written instruction to access my consumer file then these are fraudulent inquiries committed by that person. Listed below are the accounts I've found to be completely fraudulent. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US Department Of Education XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax has indicated it believes my information was compromised in the XXXX XXXX 2017 data breach. Of course, Equifax was not intentionally trying to give my information away -- however, the circumstances surrounding how they handled the situation is frankly unethical and likely illegal. I work for the XXXX XXXX in XXXX XXXX, and when I read Equifax was saving sensitive user information in plain text I nearly burst a blood vessel. Handling sensitive user information in such a way is, at best, grossly negligent. I would probably get court martialed if I did something like that at my job. 
Secondly, Equifax executives knew about the breach for months, and not only did they not immediately inform the public, they cashed out their stock in the company. Last I checked, trading on insider information is illegal, and not informing compromised individuals as soon as possible is highly unethical.
Complaint sub-issue: Reporting company used your report improperly

My SSN, DOB, full address and driver 's license have been stolen from Equifax 's database. This is outrageous, as they are the ones that are supposed to protect this data. I am now at risk of identity theft and fraud, because they did not properly protect my personal and very sensitive information.
Complaint sub-issue: Didn't receive services that were advertised

I applied for loans. Credit carma was sending me all sorts of pre approvals telling me that I was pre approved for personal loans and credit cards and that I can refinance my vehicle. I would see this offers every time I check my credit score. Months would pass by and credit carma would send me pre approvals and I believe I was in the right time to apply. So I applied sometime 2020. I got denied for a personal loan with one main financial twice in different months. I was distraught and I felt deceived. I was marketed for months. Credit carma told me that I was approved. This was a lie. I was severely stressed out. I was looking forward for those loans. My XXXX  flaired. Now I don't pay attention to " pre approvals '' credit carma is a joke.
Complaint sub-issue: Account status incorrect

Hello, I hope this message is received successfully. In reviewing my credit profile and saw inaccurate information regarding my student loan through XXXX  XXXX XXXX XXXX University. 
The status is reporting late over 20 times. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 6 letters to the bureaus to have them send the proper validation of these alleged late payments. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This upsets me because my consumer rights are being violated! I have the right to dispute any misleading information. I saw a number of other inaccuracies as well. This inaccurate reporting goes against the FCRA Laws, does it not?
Complaint sub-issue: Information belongs to someone else

I have asked these credit bureaus numerous times to removed fraudulent inquiries on my credit report and they will not help me. I have reported them all and the agencies will not properly removed them according to the FCRA GUIDELINES. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX These inquiries are not authorized and are not verified!! 

As well as the debt collection from XXXX XXXX ( XXXX ) in which I have documents from stating I am NOT responsible for!! I will attach documents!
Complaint sub-issue: Attempted to/Collected exempt funds

I had a Citibank card in XXXX. I got in a financial crisis and was n't able to pay it. In XXXX I believe I was sued. I never went to court so I believe the judgement was against me. I have no paper work of the outcome of the lawsuit. Citibank sold or hired XXXX XXXX XXXX from XXXX Texas to collect dept. I have n't received any paper work from them stating that they were going to freeze my accounts. I have never given them permission either to do so. XXXX/XXXX/XXXX my account was put on hold and {$6700.00} was removed. XXXX XXXX was contacted and they told me it was a Citibank card I had n't paid. Its been over 8 years I thought all this should of gone away. The deal they are giving me is to verbally give them an approval to withdraw {$5000.00} and pay them {$250.00} a month until depth is paid in full. If they have a judgment against me to take money why do they need my permission to take it??? red flag. I asked them why they did n't tell me they were going to freeze my account and they told me they did n't have to until after they froze it. red flag. I asked them how much they bought the account for from Citibank and they said they did n't that they were working for Citibank. When I asked for Citibanks phone number they said they did n't have it??? red flag If you work for some one you should be able to contact them. When I asked who was the judge that ruled against me they did n't have his name either???? red flag. I believe something wrong is happening and want to make sure all this is legal. This account is my wife 's account which she had just deposited her income check. I am on the account but do n't use it. the {$6700.00} can be traced to a check made to her from the IRS. I thought you could n't do this in Texas. The people at XXXX XXXX XXXX acted like they did n't know what to say when asked simple questions. When I asked the ( lawyer )?? who had put the {$5000.00} withdraw amount she said she did. red flag. I asked her nicely why she would n't take {$3000.00} and she said because she wanted {$5000.00}. What happen to what Citibank the client wants. Things just do n't add up. I was told CFPB would be able to help me resolve this. thank you for you time. please advise
Complaint sub-issue: Their investigation did not fix an error on your report

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THAT I WAS NOT LATE ON THIS XXXX & EQUIFAX HAS IT INCORRECTLY REPORTED IN MY CREDIT REPORT. 
You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " CORRECT '' THIS ACCOUNT. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

I RECENTLY CHECK MY CREDIR REPORT AND NOTICED THESE FRADULENT ACCTS. 

XXXX  XXXX XXXX/ ACCT : XXXX****/ ACCT OPENED XX/XX/XXXX {$300.00} XXXX XXXX/XXXX  & XXXX / ACCT OPENED XX/XX/XXXX {$85.00} XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ACCT OPENED XX/XX/XXXX {$640.00} XXXX XXXX XXXX/ XXXX XXXX / ACCT OPENED XX/XX/XXXX {$830.00} XXXX XXXX XXXX/ XXXX XXXX/ ACCT XX/XX/XXXX {$570.00} XXXX XXXX XXXX XXXX  /ACCT OPENED XX/XX/XXXX / {$150.00} INQUIRIES : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX/ XXXX XXXX/ XXXX/ XXXX-XXXX/ XXXX XXXX/ XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Pnc Bank has an account listed on my credit report with all three bureaus that is not mine. The account number is XXXX. I have disputed this since XX/XX/2017with a total of 8 letters to the credit agencies and two letters to Pnc Bank. I have also had several phone calls with XXXX XXXX at Pnc Bank in regards to the issue. This account is NOT MINE! This account also has many innacuracies reporting such as my address, name spelling, not charging account off at 180 days as per the law states and date reported to fall off so how has this been verified as MINE? XXXX at Pnc has not and can not provide the original signed contract with my signature on it so how has this been verified? I have also just received yet again all three agencies disputes that came back verified with Pnc Bank but XXXX was not done investigating this. How has this been verified yet again and was claimed to be clarified before but Pnc Bank doent have that record? Pnc Bank again has also not charged this person 's account off at the 180 days per law. They do not know the date of first delinquency nor do the credit agencies.
Complaint sub-issue: Public record

There is a judgment on my credit report with XXXX XXXX XXXX, docket XXXX for a collection with XXXX XXXX XXXX XXXX in the amount of {$820.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received XXXX document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed
Complaint sub-issue: Account status incorrect

The account below is being reported wrong. Account showing closed with a balance. I have received a XXXX for this account so balance should be XXXX. Not sure why bank continues to report it with Balance. 

The account is not in collection of should be listed as charge off. 


Auto Account : XXXX XXXX XXXX {$31000.00} Closed
Complaint sub-issue: Account status incorrect

The credit reporting agencies are reporting delinquent balances that have been paid. 
Original Creditor XXXX XXXX XXXX  ; {$660.00} paid XX/XX/2020 Original Creditor XXXX  XXXX ; {$160.00} paid XX/XX/2020 Credit reporting agencies are reporting collections that don't belong to me. 
Original Creditor 11 XXXX ; {$440.00}, not my account. 
XXXX XXXX XXXX Alabama XXXX XXXX ; {$380.00}, not my account.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I seek your help to reduce a debt that has burdened me for 17 years and threatens to burden me for at least ten more my federal student loan debt. I graduated from XXXX College in Maryland in XXXX and in XXXX, began repayment of my XXXX XXXX XXXX Federal Direct Loan with a combined principal of {$44000.00}. In spite of making timely payments for the past SEVENTEEN years, my current principal balance is only {$35000.00} ( as of XX/XX/XXXX ). 

That is a difference of a mere {$9100.00}, or {$530.00} per year for each full year of my payment history. By contrast, I have paid more than {$2500.00} per year. 

Since XX/XX/XXXX, I have worked at a major nonprofit institution in XXXX. Although my employer is a qualified employer under the Public Student Loan Forgiveness Program and I made uninterrupted monthly loan payments during the qualifying period, this is not enough. In an email dated XX/XX/XXXX, I received notification that I do not have any qualifying payments because my repayment plan type is graduated rather than income-driven. The notice explained that I could convert my loan to an income-based option and work another ten years to receive forgiveness. I am a single woman and can not afford to almost double my monthly loan payment under the income-driven plans. 

I was encouraged recently to learn about the Temporary Extended Public Loan Forgiveness Program and quickly requested reconsideration. I understand that the program is for persons who were denied PSLF due to the wrong payment plan and assumed I had a fair chance at loan forgiveness. However, in an email dated XX/XX/XXXX, I was again advised that I do not meet the qualifications because the amount I paid in the 12 months prior to applying for TEPSLF was not at least as much as I would have paid under an income-driven plan. My current monthly payment amount is {$190.00}. The monthly income driven payment amount calculated by Fed Loan is {$380.00}. 

I beg of you, how could I have reached this amount if I was under the graduated repayment plan? This criterion for the TEPSLF continues to punish persons who have been paying faithfully and serving our communities.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$1000.00}, {$12000.00}, {$5600.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- OPEN ACCOUNTS 1.
XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 


-- CLOSED ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account.

] -- OTHER ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late in XX/XX/2019 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have provided copies of my bank statements from B of A proving that the mortgage payments have been paid on time. I have not now, nor in the past, been late on these payments. This is clearly an error in reporting and this incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.
Complaint sub-issue: Account information incorrect

I took a HELOC out in XX/XX/XXXX. I unfortunately could not pay it off and the last payment I made was in XX/XX/XXXX. The credit bureaus are showing all different dates for the date of charge off, they are showing an increasing balance every month from then until current. It looks like the credit union changed the account number so there is some confusion there
Complaint sub-issue: Other problem getting your report or credit score

late payment reported on XX/XX/2021. All payment was paid on time direct deposit was set up.
Complaint sub-issue: Account information incorrect

My vehicle loan with XXXX XXXX XXXX was in default and the finance company took the steps to remedy this default by repossessing the vehicle. Once the vehicle was repossessed, I was sent a figure about what was owed to pay off the vehicle. 

Approximately a month later in XXXX of 2018 I received a check for approximately {$2100.00} dollars as surplus from the vehicle being sold and paid off and the amount of {$16000.00} was removed from my credit report for this debt. 
During my attempts to cash said checks, it was advised through my financial institution that a stop payment had been issued onto the check. I called to confirm what had happened and was advised that there was an error in sending the check and in fact the vehicle had been sold but due to an internal error the check shouldn't have been sent out. 

My credit score monitoring apps showed that my car had been paid off and the balance was no longer reporting on that debt. Then this week, after no calls, letters, or any indication, my credit scored dropped 30+ points right when i was working on a pre-approval letter for the purchase of a home. 

So now, I have a score that is vastly reduced, a debt that was satisfied through the sale of the repossessed vehicle, and a current derogatory payment on my credit file for something I had no idea existed. I would like the entire item post XX/XX/2018 removed from my consumer credit report due to numerous errors.
Complaint sub-issue: Information belongs to someone else

I've been disputing fraud accounts on my credit report sinceXX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.