Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On the third of XXXX of 2020 I went to an ATM to withdrawal {$80.00} out of my account. I had a {$100.00} balance and planned on leaving the remainder. After several attempts and several surcharges added up I still was not being granted my funds. As I checked my balance again I could not believe my eyes as my balance presented {$0.00} remaining in my account. It was devastating to say the least. I am on XXXX and rely on every penny that I can get to support my family. I contacted customer service on the sixth of XXXX and then called the claims department. No one seemed to know how to help me. After several desperate phone calls to this department and that department with no one giving anykind of realistic name or title of position they held I felt like such a fool for even trying. Still no one has offered to credit me back my {$80.00} balance realistically {$100.00} balance, but all I was asking for was the amount I tried to withdrawal and never received. The claims department told me it would be 4 to 7 days then 7 to 15 and then it became 15 to 30 and then it finally got up to 30 to 45 days before the investigation could be completed.that when I decided something had to be done on a different level.
Complaint sub-issue: Information belongs to someone else

My rights have been violated multiple times and the misreporting on my credit report continues!
Complaint sub-issue: Public record information inaccurate

on XX/XX/XXXX, XX/XX/XXXX i notice XXXX bankrupcy appears on my credit report with XXXX that i didn't notice until i credit my credit report so i contact the clerk of court .they stated it couldn't be verified. I constantly tried to dispute these items with XXXX but was unsuccessful, so i spoke to the supervisor XXXX XXXX from XXXX XXXX and they was aware of the situation delected off my credit report it was consider not file and unvertified. also XXXX is reporting hard inquiries, late payments which i never appears late. I need this matter to be resolved where i can get approve for credit anywhere it effective my life. So i am asking for help in resolving this matter.
Complaint sub-issue: Information belongs to someone else

I have attached my ID SS and proof of address mail for my identity. I NEED TO PLACE A HOLD OR FREEZE ON MY CREDIT FILE AND I NEED A COPY OF MY FULL REPORT. I found tons of information that is not right on my file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is XXXX XXXX. XXXX please remove any other name. 
My address XXXX XXXX XXXX XXXX, OH XXXX I choose to opt-out of your disclosing future information until further notice including the Ful Report and other furnished Lexis Nexis inquires regarding all personal information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Problem during payment process

I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Complaint sub-issue: Problem with customer service

I have previously utilized CFPB assistance ( complaint number XXXX ). At this time, I am continuing to have struggles communicating with FedLoan Servicing. They have removed letters from my paperless inbox and have not responded to my multiple requests to return the communications which have occurred around public service forgiveness. Please help me to compel Fedloan Servicing to stop deleting their communications with me. 

Thank you.
Complaint sub-issue: Problem with fees

I have contac ted discover be cause I realized I am still being billed for payment protection each month. I enrolled in auto payment and paperless billing. I do not use this card for purchases and use the app to confirm my payment went through and see the balance going down each month and never up. But apparently th ey are sneaking in payment protection. I called them and they offered me the max of a six month credit. I did research online and saw there was a law suit about this that was settled and that Discover had  to notify the customers and refund them. The woman tonight on  XXXX   XXXX  informed me their policy changed in  XXXX  and I no longer qualify for the full refund only th e six month. When I asked why I was not informed she mentioned they mailed it to me which I never received! I asked for a copy and they said the copies are property of Discover and I am not allowed to see this but to be assured it was sent. Why would I ignore this and wait until now to call about it? Of co urse I would want a refund asap!     I have been billed hundreds of dollars a year even recently and have not been refunded for these fees and I never signed up for this or have been explained the fee or agreed  to it. One woma n said since  XXXX  I signed up then the othe r one si nce  XXXX  and I said how I did n't open my account until  XXXX . I am only trying to get a refund of atleast  XXXX  to current. I was never informed of the lawsuit and was never offered any refund and one was never applied to my account previously. Please help.
Complaint sub-issue: Debt is not yours

Subpoenaed XXXX XXXX XXXX to produce record of information it submitted to MrsBPOLLC re : fraudulent, delinquent XXXX Account # XXXX which resulted in me being victimized by their collection tactics. MrsBPOLLC is not a party to this action, however, MrsBPOLLC disclosed my confidential information without my knowledge or consent. MrsBPOLLC has not closed account, has not acknowledged that debt does not belong to me, and has not removed XX/XX/20 inquiry on my credit file as a result of this fraudulent activity and thus having no permissible purpose.
Complaint sub-issue: Account information incorrect

I have written numerous letters since XX/XX/XXXX to the 3 credit reporting agencies ... XXXX, Equifax, & XXXX to this date XXXX-17 they have not provided me with the original signed documents that I have requested to provide me proof all alleged accounts being reported are really mine. I have requested proof in writing that over XXXX hard inquiries that allegedly belong to me, still dont have proof in written original documentation that I signed from any of the 3 CRAs to verify these hard inquiries. I have requested that any unverified/unknown and/outdated accounts be removed from my credit reports ... there are many inaccuracies and unverified accounts on my credit reports that continue to show up on my report ... its been way over 30 days time period to verify unknown accounts or accounts over 7 years old and mail me written original signed documents to proof all accounts to truly belong to me and are being reported correctly in amounts alleged due. All closed accounts have been requested to be removed nothing as of XXXX-17. I have informed CRAs that I havent been late with any of my payments ... if so prove to me in written documents the dates late to any accounts ... still nothing & still bringing down my credit score.
I find it very stressful that my life has to be on hold because of my low credit scores reporting from these three agencies. Due to this inaccurate, unverified reporting on my credit reports I have been denied rentals, credit, loans, & mortgages etc.
I have spoken with a lawyer in regards to this matter its bought much undue stress into my life. The law states if not provided with written original signed documents in 30 days they have to delete items from report, section 609 states this the CRAs are not following these guidelines.. I have never received verification with my original signature from any of accounts that are on my credit reports its been well over 60 days as of today date.
Complaint sub-issue: Trouble with how payments are handled

I currently attend the University XXXX at XXXX. Last academic year ( XXXX ) I was enrolled as a full-time student and as such was given an in-school deferment. I am planning to return to school as a full-time student for the next academic year ( XXXX ). However, this summer I was notified recently that my FirstMark student loans were 60-days late and that they had reported this to the credit bureaus. In my surprise, I called and spoke with a XXXX XXXX. I thought that like my federal loans, if I was to be returning as a full-time student the summer months would be included in my in-school deferment. XXXX XXXX rudely informed me that FirstMark requires payment during the summer months. Had I known this, I would have been happy to pay my monthly bills, but because I was never informed of their specific rules I am being penalized on my credit reports. What is very surprising, is that I was in contact with them all summer and no one ever mentioned this to me. When I asked XXXX to remove the blemishes from my credit reports, she refused. I do not think that this is fair and I would like to make sure my credit report accurately reflects my intentions. I do not have any other blemishes on my credit report and I would like to keep it that way. I would like to submit this complaint to not only require FirstMark to inform their borrowers of such rules, but also I would like to have these blemishes removed from my credit report.
Complaint sub-issue: Account status incorrect

I have tried multiple of times to get fedloans to send me my past applications for my forbearance and deferments and they only sent a letter stating my loans are in good standing but my loans are showing past due XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX which is causing me to have multiple late payments hurting my credit score when i have always made sure my loans were deferred until i am able to pay which is soon but i need this fixed on their part. They have not shown proof of the student loans which were consolidated but fedloans is still showing multiple of closed student loan accounts with bad payment history
Complaint sub-issue: Other problem getting your report or credit score

Equifax have blocked my credit report account for months and I am unable to see my credit report account having faxed to Equifax Dispute all copies of my personal information These are: copy of my driving license,  social security number, utility monthly billing statement with a letter requesting to unblocked my credit report. My personal information was faxed as requested to Equifax Fax  #  XXXX XXXX XXXX XXXXI have called Equifax Customer Services at Consumer Care telephone XXXX to expedite my request, but their e-mails to set a new password have failed several times.I believe Equifax is incompetent to set customer requests within a reasonable time.My request to set a new passport were denied stating that my four digit of my social security number XXXX  and date of birth XX/XX/XXXX are incorrect.I feel I cannot longer spend my time and expensive cellular phone calls trying to resolve this issue by telephone.
Complaint sub-issue: Information belongs to someone else

Greetings. With my knowledge or consent. A family Member used my social security and information to open an account with XXXX which they let go in collections. I did reach a settlement agreement with the collection agency. However, they still have the account showing on my credit report which is severely hurting my credit. I've contacted XXXX as well as the Credit Bureau to get the collection removed from my account but to no avail.
Complaint sub-issue: Investigation took more than 30 days

Hello. On XX/XX/2020 I wrote a letter to Equifax to correct the wrong information on my report. They did not reply so I wrote them another letter on XX/XX/2020. It has been more than 60 days. They are in violation of 611 ( a ) of the fair credit reporting act.
Complaint sub-issue: Received bad information about my loan

All of my loans from XXXX University are forgiven. This is due to the school closing for racketeering. Please remove all student loans from my credit report.
Complaint sub-issue: Can't get other flexible options for repaying your loan

In early XXXX my family and I arrived in the US due to a medical emergency. My daughter got accepted to XXXX XXXX University but I did not have any money and was unemployed. Notwithstanding my financial situation, I was told by the finance office that I would be approved for a parent-student loan to cover what shortfall my daughter had for her tuition. Long story short, I am in for over {$130000.00}. I eventually found employment in XXXX and worked for XXXX XXXX for 5 1/2 years. I applied for PSLF but was denied because I was not able to pay the required minimum payments. Because of XXXX XXXX  in my job, I decided to retire in XXXX and have not been making payments in part also due to the hold issued by the government during the pandemic. My issue is that why did they approve me for a parent-student loan knowing that I had no money and was unemployed. Had I known that I would rack up this much debt, I would have either sent my daughter back to the XXXX or forced her to look for another school. I have no means to pay and I have already cashed in my 401K just to survive. What can I do about this? Thank you.
Complaint sub-issue: Account terms

Items attached : Equifax sent a response, but it was ignorant, to the situation, because I already knew it was paid off. I wrote th check. My complaint is that the bank charged off an account that they kept receiving money on through the whole process. That That is against South Carolina state law, because that is considered a willingness to negotiate contract.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT 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: Debt is not mine

We had no hot water in the kitchen to properly clean our dishes. This went on for 1 1/2 months. And we had no heat in our apartment which caused us to live in our bedroom with XXXX portable heaters that we purchased. Per Kentucky tenant Code KRS 383.545, landlords are required to supply these to all tenants which they did not. So we initiated our right per KY law 383.625 to terminate our lease. We paid XX/XX/2015 and moved out XXXX XXXX, 2015. We only had 1 month left on our lease which was XX/XX/2015. Our rent was {$1000.00}. We lawfully terminated our lease and they 're trying to collect a debt we do not owe.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I reached out with a demand to comply letter to Equifax to express my frustrations that it has been well over 30 days ( 60 days at the time of the letter ). It's been over 90 plus days until this day that I haven't heard nor seen any information regarding the incorrect items on my credit report. I'm now asking you to hold them responsible and liable, according to Section 611 ( a ). Thank you.
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/2020 I submitted written letters to the credit bureaus. Enclosed in those letters were items that needed a sufficient amount verification. My name was misspelled numerous times, various incorrect addresses, several erroneous accounts that included, closed, charged off, and incorrect accounts.
Complaint sub-issue: Other problem

My Shop Your Way Mastercard issued by Citi cards has had its credit limit declined twice in 4 months adversely affecting my credit, despite me not having any late payments with the company and paying more than triple the minimum payment due. Every time I make headway in paying down my balance ( which is only {$3500.00} now ) my credit limit is decreased to only hundreds of dollars of what I owe. 

As a result, in both instances, my credit score has been impacted and taken a hit, affecting my ability to refinance my house or make other purchases. 

The first time my credit was decreased was on XX/XX/2019 from {$5000.00} to {$4600.00}. At that time I owed {$4500.00}. The last time was XX/XX/2019, where my credit was decreased to {$3700.00}. After the XXXX instance, I called and was told that if I made payments for 6 months, I could get my credit increased again. This last time, I was told there was nothing they could do. 

The credit was decreased because of a charge off I that was reported and that I am disputing with one credit agency in particular. The credit card issuer in that instance is working with me to fix the situation. However, the person I spoke to at Citi said there was nothing they could do. 

I am considering retaining an attorney because of the damages caused by this situation. I'm sure I'm not the only one.
Complaint sub-issue: Card was charged for something you did not purchase with the card

A card was opened in my name in XX/XX/2014 -Discover financial services LLCIt was used regularly.I did not use this card. It was fraudulent.On the date it was opened, I was not in the country -I have provided my the confirmation of my flight leaving the US-
Complaint sub-issue: Information is not mine

A XXXX credit card was opened in my name with a {$4800.00}. Limit. It has since been over limit to over {$6000.00}. I learned of this through CREDIT Karma app. I also have XXXX dings. From collection companies that I have No idea about. I did have a bankruptcy several years ago but that information should 've fallen off by now ...
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  XXXX 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 : XXXX, XXXX  XXXX XXXX, XXXX
Complaint sub-issue: Can't close your account

Called multiple times requesting citi checking account closed and account is STILL open.
Complaint sub-issue: Denied request to lower payments

I am currently in an auto loan with a very high interest rate of 22.9 % ; this  loan was acquired in XX/XX/XXXX. I have been currently paying the amount of {$530.00} per month for a XXXX XXXX XXXX on time each month. My hours have changed at work and upon researching my loan, I owe {$10000.00} more than what my vehicle is worth placing me in an upside down loan. On XX/XX/XXXX, I submitted a letter electronically via the XXXX XXXX XXXX 's website detailing the request to lower my monthly payments. An email was sent on XX/XX/XXXX asking me to contact the company via phone because of privacy issues. I called XXXX XXXX XXXX on XX/XX/XXXX at XXXX and spoke with an customer agent and she was very short, unprofessional, and completely did not want to aid me in my request. Her reply was XXXX XXXX does not rewrite loans. She offered to give me an alternative lending source, XXXX XXXX at XXXX. Upon contacting this lender on XX/XX/XXXX, I was initially approved and then told they could only help me if I came up with a {$7000.00} down payment because again I owe a total of {$18000.00} and my vehicle is only worth roughly at the highest value of {$8000.00}. I think I was taken advantage of since I had just completed Chapter XXXX bankruptcy and had just been successfully discharged in XX/XX/XXXX resulting in me becoming a victim of predatory lending. I also would like to report XXXX XXXX XXXX ( located at XXXX XXXX XXXX, XXXX, GA XXXX ; Phone : ( XXXX ) XXXX ) who seemed negligent to tell me how my loan would work. They assured after successfully completing the auto loan for a year, I would be able to either refinance or trade this vehicle in for a lower price. I initially contacted XXXX XXXX   XXXX in XX/XX/XXXX but to no avail no one is willing to return my phone calls.
Complaint sub-issue: Their investigation did not fix an error on your report

I have made several attempts to resolve the issues with the credit reporting agencies. There are several accounts, as well as multiple entries listed in my personal information that do not even belong to me. I have submitted an FTC complaint and the credit reporting agencies were also sent a copy in previous letters. I have rights that protect me as a consumer and have notified these agencies of the violations they are committing. Their continued willful non-compliance is unacceptable. 
I am seeking the assistance of the Consumer Financial Protection Bureau, Federal Trade Commission, and State Attorney General to remove the fraudulent and inaccurate items that are being reported on my personal credit report. 
I am prepared to seek litigation if this final attempt to remove the items goes ignored. 
I will be uploading the documentation that was previously sent containing the items in question. 
Also note that I AM submitting this complaint on MY OWN behalf and no third party is involved.