Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.
Complaint sub-issue: Don't agree with the fees charged

To my under standing XX/XX/XXXX through XX/XX/2020, the interest rate is set to 0 % and payments are suspended for student loans owned by the federal government and the federal student loan servicer should suspend all interest After viewing my fedloan account XX/XX/2020 I noticed that fedloan charged me interest for the month of XX/XX/2020 as well as XX/XX/2020 stated above 0 % interest was to be implemented starting XX/XX/2020 my payment of {$660.00} was paid on my due date of XX/XX/2020 payment was not applied to my account until XX/XX/2020 and with interest My payment made on XX/XX/2020 XX/XX/2020 Payment {$660.00} principal {$180000.00} This payment was applied to the following loans : DIRECT SUB CONSOLIDATION   LOAN interest charged {$160.00} DIRECT UNSUB CONSOLIDATION LN interest charged {$250.00} DIRECT UNSUB    CONSOLIDATION LN interer charged {$240.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/2020 Payment {$660.00} principal {$180000.00} Payment - XX/XX/2020 This payment was applied to the following loans : DIRECT SUB CONSOLIDATION   LOAN interest charged {$170.00} DIRECT  UNSUB CONSOLIDATION LN interest charged {$260.00} DIRECT  UNSUB CONSOLIDATION LN Interest charged {$220.00} There's no difference in the principal an if interest is not being charged I should see my principal going down as you can see the principal for XXXX remain the same big discrepancy.
Complaint sub-issue: Didn't receive notice of right to dispute

As of XX/XX/2021 I XXXX XXXX XXXX took a review of my credit report and I noticed that a company named Enhance Recovery Company is reporting a balance of {$96.00} dollars owed to XXXX XXXX XXXX. I am hereby disputing this debt because I never received notice to dispute this debt via mail and also I am requesting proof that I actually own this debt via signed contract with my signature or any instrument that can solidify my ownership of this account. If neither of these items in which I request can be furnished I am requesting that you remove your reporting from XXXX and XXXX  immediately because you are damaging my credit. Failure to do so within 30 days will give me the authority to legally seek remedy for the damages caused by the negative items reported.
Complaint sub-issue: Transaction was not authorized

I have reached out on multiple occasions to PNC Customer Care Center and Executive Client Services to resolve an issue of fraudulent charges that were made to my account. These charges were reported within the required 60 days per PNC Bank agreement/policy but have not been afforded a permanent refund to the account. After multiple attempts to have a caseworker resolve the matter, I forwarded a letter of the disputed history to the Case Work, XXXX. The letter included the multiple reentry dispute numbers that were assigned by the bank representatives, which were due in part to incorrect logging of the initial dispute. I believe this caused an error for PNC to deem the matter reported beyond 60 days for fraudulent charges that dated back from XX/XX/2021 o XX/XX/2021. XXXX nor the initial Case Work, XXXX XXXX returned my calls with any explanations of the details or outcome of their investigation. I have only received computer-generated letters indicating that the matter was resolved and my refund denied because it was not reported within the 60 days. I have bank statements and chronological documentation that proves I reported the fraudulent charges within days of discovery. I feel I have been intentionally given the runaround and all the representatives offer is to repeatedly re-enter the same dispute under a new case number. I have lost a total of {$850.00} from fraudulent transactions to my account, which the bank representatives have acknowledged, yet will not honor a refund.
Complaint sub-issue: Debt is not yours

I have received multiple calls to XXXX XXXX XXXX looking for a XXXX XXXX XXXX, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX. It 's hard to track the caller id as they are spoofing their number. I called them on a recorded line XX/XX/XXXX to tell them that they have a wrong number. I was told by XXXX ( unsure of the name ) that she was going to remove my number off the list. 
Today at Today XX/XX/XXXX XXXX caller ID was XXXX. When I answered the phone I advised the caller, I have called them before to let them know they have the wrong number for this XXXX XXXX XXXX. The female on the phone told me that I must have called another company. I advised her not to call me again, or I will file a complaint. 

I have no faith that this company will not stop calling my house looking for this individual that I do not know who it is. Please help me with this issue.
Complaint sub-issue: Information belongs to someone else

Upon analyzing my most recent credit reports, I discovered that my personal credit file had been given inaccurate information. XXXX, Equifax, and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, and have continued to report unverified information without providing the documentation needed by law. The 3 Credit Bureaus have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following inquiries to be stopped : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX
Complaint sub-issue: Other problem getting your report or credit score

When looking up my credit scores online, my Equifax report states " unscorable '' with the absence of the majority of my credit report information ( accounts, Inquiries, etc ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon checking my credit report on XX/XX/2019, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX  and XXXX from a unknown companies such as XXXX XXXX XXXX, Citi Cards CBNA, XXXX XXXX, XXXX XXXX  and XXXX   XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX the consumer and natural person has disputed these accounts you are reporting on my consumer report. You can't validate a debt because I am the original credit and only I can validate an alleged debt. According to 15 usc 1602 ( g ) I am the original creditor. You do not have the authority to validate a debt according to Congress. You have violated my consumer rights. I also have a right to privacy which you have violated every aspect of my right granted to me. I am a Natural Person of Heaven and my rights are given to me by God himself. I am demanding a thorough investigation and I want all the accounts listed deleted from my consumer report. I also plan to report you to the XXXX  and Attorney General. I also plan on contacting the media and letting them know how my consumer rights are being violated.
Complaint sub-issue: Information belongs to someone else

Equifax, XXXX  and XXXX  has information on my credit report that does not belong to me, collections from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX and Numerous collection accounts with no Original creditor nor collection company name account numbers # : XXXX, XXXX, XXXX, XXXX on my Equifax report
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX pulled my report without my written consent pursuant to 15 USC 1681b ( 2 ). When I did provide EQUIFAX with my written consent, they did not follow my instructions. I was given a hard time as well as severe damages to my consumer report. After going back and forth with EQUIFAX, for awhile, some inquiries and accounts were deleted. A deletion is admission. Inaccurate information shouldnt have been on my consumer report in the first place. I did not give my consent for any of it to be there. Thats a violation. I am seeking monetary relief Pursuant to 15 USC 1681n. ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I am attaching an invoice to be compensated for the violations.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2017 from XXXX XXXX repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XXXX credit report
Complaint sub-issue: Didn't receive terms that were advertised

Hi, I enrolled in a Citibank offer where if you transferred {$50000.00} into a savings account within 30 days and leave it for 60 days then you received a {$600.00} bonus. I just called Citibank and they claim that I did not meet the 30 day requirement. I opened the account XX/XX/XXXX and I did not receive the information to transferred funds into the account until XX/XX/XXXX where I did transferred {$50000.00}. However, even though I provided all the correct information Citibank rejected the transfer. So on XX/XX/XXXX I had to transfer {$50000.00} again. Both of the days I transferred were before the 30 days. However, the money did not make it into the account until the XX/XX/XXXX. Citibank made it impossible for me to meet their 30 day criteria by delaying when I could open the account and rejecting my transfers. I would greatly appreciate if Citibank honor the {$600.00} bonus because I made my best efforts to meet the 30 day requirement but because of Citibanks actions I could not. Also, my other savings account has a much higher interest rate so leaving the money in Citibank cost me hundreds of dollars, which the {$600.00} would help offset
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Complaint sub-issue: Information belongs to someone else

I noticed these fraudulent inquiries on my Equifax credit report and I've disputed them several times with the company and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed these accounts several times over the years but they continue to violate FCRA guidelines : - XXXX - XXXX XXXX - Incorrect Utilization Reported
Complaint sub-issue: Received bad information about your loan

I served in the US Military ( XXXX ) on XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. This is considered qualifying service under the Public Service Loan Forgiveness ( PSLF ) program. During this time, I made 45 required monthly payments : the first student loan payment was made on XX/XX/XXXX and the 45th required monthly payment was made on XX/XX/XXXX. I certified my employment before leaving military service. XXXX XXXX, my student loan servicer, only credited me with 16 PSLF-qualifying payments. All of my payments were made during qualifying service under an IBR and were all on-time ( I enrolled in automatic debiting ). 

When I confronted XXXX XXXX about the huge discrepancy, the reply was that I made extra payments once or twice a year and that was causing them confusion. I asked that my account be audited on XX/XX/XXXX. As of XX/XX/XXXX my account still hadn't been reconciled. I then phoned XXXX XXXX and requested an expedited audit. It has now been 4 months since I requested the first audit. I am still waiting. 

Why is it taking XXXX XXXX 4 months to count 45 payments? As my student loan servicer, they have an obligation to ensure my loan records are correct and to take action to correct them when they are not. They have failed to do this. 

I am attaching my payment history file, downloaded from the XXXX XXXX  website. I added a column to the table counting the number of required minimum monthly payments I made during my qualifying service. The number is 45. One of XXXX XXXX XXXX  accountants could have easily done this 4 months ago. It took me all of 4 minutes. I am also attaching the letter from XXXX XXXX counting only 16 of these 45 payments. Finally, I'm attaching my XXXX to prove my dates of military service.
Complaint sub-issue: Account status incorrect

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible DEPT OF EDXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} DEPT OF EDXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XX/XX/XXXXXXXX Balance {$600.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$290.00} Chapter XXXX Bankruptcy XXXX Balance : {$0.00}
Complaint sub-issue: Banking errors

I have both checking and money market savings accounts at Citibank. On XX/XX/2019, a large deposit of {$210000.00} came in to my checking account from XXXX. When I got the XXXX, 2019 statement,, I saw that the interest rate was very low ( near zero ), I went to the Citibank XXXX XXXX branch on XX/XX/XXXX and saw that there was a Cit Savings account promotion to pay 2.00 % interest for 3 months ( up to {$2500.00} ) with a {$25000.00} deposit. After that, it would pay 0.57 %. 

The manager at the branch said I could get the higher interest rate if a new account was opened. So my old savings account was closed and a new account was opened on XX/XX/XXXX. These are the relevant account numbers : Checking account- # XXXX Old Savings account- # XXXX Ultimate Savings Account ( USA ) New Savings account- XXXX XXXX Citi Savings The original balance on the new account after the transfer was {$260000.00}. The current balance on XX/XX/XXXX is {$200000.00}. The account balance has been over {$200000.00} since it was opened, well in excess of the required {$25000.00} minimum.balance. 

I received higher interest for XXXX of about 1.30 % which was a little less than I expected but at least it was higher than before. But then at the end of XXXX, I was shocked to see that the account only paid an interest rate of 0.12 %. I went to the branch and asked why the interest rate dropped so much, and they said they thought I was entitled to the 2.00 % interest rate from XX/XX/XXXX through XX/XX/XXXX. They filed an internal inquiry with Citi headquarters to get the higher 2.0 % interest rate paid. 

But at the end of XXXX, I was shocked again to see again that the interest rate for XXXX was again only 0.12 %. I went to the Citibank XXXX XXXX branch this afternoon fo find out what happened. The branch manager told me their internal request was rejected. I couldn't understand why it was rejected, but he said it was because the new funds from XXXX were originally deposited in my checking account more than 5 business days before the new savings account was opened. Even if this is true, this was never explained to me when the new account was opened, and I could have invested with another bank offering a higher interest rate. Overall, I think their 2 % promotional offer was highly deceptive and they should have told me before hand if I was not eligible for the 2 % promotional rate.
Complaint sub-issue: Information belongs to someone else

I NOTICED FRAUDULENT INCORRECT AND QUESTIONABLE ACCOUNT ON MY CREDIT REPORT. THIS ILLEGAL ACCOUNT IS NEGATIVELY AFFECTING MY CREDIT REPORT AND HINDERING ME FROM BEING ABLE TO OBTAIN NEW CREDIT. I HAVE CONTACTED EACH BUREAU AABOUT THESE ACCOUNTS NUMEROUS TIMES AND THEY HAVE FAILED TO PROPERLY INVESTIGATE AND REMOVE THIS ACCOUNT. THEY USE DIFFERENT STALL TACTICS TO AVOID MY DISPUTES. I DEMAND THESE ACCOUNTS DELETED FROM MY CREDIT REPORTS IMMEDIATELY. IF THESE BUREAUS XXXX EQUIFAX AND XXXX CONTINUES TO VIOLATE MY RIGHTS I WILL SEEK LITIGATION DUE TO THE CONTINUED XXXX THEY HAVE CAUSED ME
Complaint sub-issue: Account terms

So I have sent several letters to the credit bureau regarding XXXX accounts that are reflecting negatively on my credit report, XXXX of the accounts is XXXX, I have disputed stating that the account is inaccurate and I would like for it to be deleted, However the credit bureau sent me a letter stating the verified the information, I then asked for their verification method along with any documentation that they recieved to match it against my records, they did not provide that information, I then asked for information from them to find out who they spoke with and how did they speak with them, They still in return did not send me any information and continued to say that they verified the information but has yet to tell me how. Another account would be XXXX, I sent a letter along with a check to XXXX asking them consider the account closed and paid by cashing the check that they received, They cashed the check which mean they agreed to remove the account and consider it paid, I sent the same method and information to the credit bureau requesting the account to be removed and they have not removed it and stated that they verified the information, of course, I asked for proof and any documentation along with the representative that they spoke with and they were not able to provide that information to me. I sent check # XXXX in the amount of {$45.00} and it was shown that it was cashed by XXXX on XX/XX/2017. 
Another account would be a bankruptcy listed on my credit report, the credit bureau sent me a letter stating they verified it through XXXX, I then spoke with XXXX on XX/XX/2017 at XXXX and the Representative XXXX told me that no one has called or sent in any documentation to verify anything with XXXX on behalf of me, So I am not understanding how they claim to verify a bankruptcy.
Complaint sub-issue: Information belongs to someone else

After reviewing a medical debt appearing on my Equifax Credit file for collection account with XXXX XXXX XXXX, account number XXXX and checking with my insurance provider about this debt, it has been determined that the said debt with XXXX XXXX XXXX  is fraudulent. I have included a copy of my Identity Theft Report and all verification needed as required by the FTC and Equifax to have this account blocked.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # 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: Public record

current item in public record, wage earner plan filed XXXX is reporting inaccurate
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.