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

Open the account with XXXX. Deposited a check for XXXX drawn from the XXXXXXXX XXXX XXXX  XXXX in USD funds on XX/XX/2022, the bank told me it would take 4 to 6 weeks for the check to clear. Found out that the XXXX XXXX XXXXXXXX XXXX has issued the funds to my US Bank account 3 weeks ago. The funds are not entered into my account as of yet. Have had two domestic wire transfers into my account totaling XXXX. So there is a total of XXXX that should be in my account. 
I've tried making some transactions on my account to take care of my business and the US Bank has put restrictions on my account so I'm unable to take care of my business.
Complaint sub-issue: Information belongs to someone else

Dear CFPB, I did not consent, authorize, nor benefit from any of the following inquiries. Please direct LEXIS NEXIS to block and remove them from my consumer report : 1XXXX XXXX XXXX XXXX 2 . XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX 7. XXXX 8XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX I have already mailed a copy of my identity theft report and identification to LexisNexis.
Complaint sub-issue: Received bad information about your loan

In 2014 I was advised to consolidate my loans, including my parent plus loan. Because of the negligent advice I am now unable to qualify for a lower payment with the income based payment plans.

Each time I call XXXX XXXX I am told something different by different agents. It is very frustrating and I finally had to pay a nonprofit debt service to help me and give me sound advice about my student loans.

I feel that the agents at XXXX XXXX  need proper training.

The error of consolidating all my loans is a difference of about a {$400.00} to {$700.00} dollar a month more in payments. I just want to get my payments down to an affordable amount.

I recently was told to re-consolidate my parent plus loan and now my new payments went from over {$1000.00} to {$1300.00}. How is this helping me lower my payments if it has now gone up by {$300.00}.

Please contact me about this issue because I have more horror stories about the untrained agents as well as recordings of them giving me inaccurate information.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate.

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research.

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

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Old information reappears or never goes away

I have been out of school for 10 years and paid off my student loan balance in XX/XX/2020. All of my student loans have been serviced by XXXX XXXX. All 3 credit agencies ( XXXX, XXXX, and Equifax ) show over 40 student loan accounts ( some of them from my XXXX degree which were paid off over 15 years ago ) which adversely impact my credit score. I am trying to buy a home and this is negatively impacting me. Many of the " accounts '' are loans with the same date. They won't fix this, and I submitted complaints with all 3 credit agencies. Their interface times out after 5 mins so it's impossible to go line by line to ask them to fix this issue. I have a XXXX balance and neither party thinks its their job to do anything. XXXX XXXX, whom I called weeks ago, tells me to contact the credit agency, and the credit agencies tell me to contact the servicer to have the loan removed. Now I am stuck in the middle. This is outrageous.
Complaint sub-issue: Frequent or repeated calls

On XX/XX/XXXX I received 7 consecutive missed calls from XXXX. They did not leave a voicemail. Today XX/XX/XXXX I received 7 additional calls without any voicemails. I called the number back inquiring about what the issue was as I was feeling harassed. They informed me they were sorry for not leaving a voicemail and stated they were from Unifin. I disconnected the call before gathering anymore information in fear my identity may have been compromised. I looked up the business and noticed they were indeed a collections agency. So I called back and verified my identity by confirming my name so I could get more information on only the business itself, not the collection matter. XXXX answered and I told him I wanted more information because I wanted to report this to the CFPB as I was feeling harassed. He said " thats fine, you can do whatever you want '' and hung up the phone. I called back and another lady answered. I again confirmed my name and last 4 of social and said I wanted to speak with a supervisor. She continued to talk about the attempt to collect a debt to which I stated numerous time I wanted to speak with a supervisor. Finally she said ok and I was on hold for more than 5 minutes. I hung up as I felt this was going no where.
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.Section 602 A. states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. 

1. CREDITOR : XXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$4600.00} 2. CREDITOR : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OPENED : XX/XX/XXXX BALANCE : {$270.00} XXXX. CREDITOR : XXXX XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$9300.00} XXXX. CREDITOR : XXXX XXXXXXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX, OR XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$2500.00} XXXX. CREDITOR : XXXXXXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$450.00} XXXX. CREDITOR : XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3600.00} 7. CREDITOR : XXXX XXXX CARD SERVICES ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3300.00} THESE ARE THE ALLEGED ACCOUNTS I WANT REMOVED FROM MY CREDIT REPORT IMMEDIATLY THANK YOU, XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

Due to the new rules for Public Student Loan Forgiveness ( now TEPSLF ), my student loans are eligible for full forgiveness. In the beginning of XXXX, I was notified by the Dept of Education that 30 payments would be added to my payment count under the new TEPSLF rules. I continue to be employed at the same employer since XXXX. The length of employment and number of qualifying payments both made me eligible for forgiveness immediately. On XX/XX/XXXX, I submitted my employer certification form to XXXX and was notified that it was received and accepted. Since the initial 30 payments, there has been no communication on my account, nor any updates made to the number of qualifying payments that have been made. I called XXXX on numerous occasions to check the status of my account, and after waiting an hour on hold to speak to someone, was told to continue to wait, and that my payments would be approved in batches. I messaged XXXX through XXXX XXXX on XX/XX/XXXX and received a response on XX/XX/XXXX telling me that they would send my account over to their team to review and I would be receiving a phone call within the next few days, which I never received. My loans were then sold to Mohela, and I am spending an hour plus to speak to a customer service representative only to be told that either they have no record of my loan, or that I need to contact someone else to inquire about my loans. Meanwhile, I am a member of many online communities where others have applied for TEPSLF well after my application and received forgiveness within days or weeks of their applications. I understand there is a backlog of accounts requiring review, but it's unfair for applications that were submitted long after mine to be getting addresses while mine has been bypassed.
Complaint sub-issue: Other problem getting your report or credit score

I have tried and tried to get XXXX  to show a Credit Score on their site which shows me my credit card accounts etc. 
I just received an email saying : Hello XXXX, Important information about your FICO Credit Score We wanted to let you know that we couldnt automatically update your FICO Score from XXXX this month based on the data we pulled on XX/XX/2021. If youre planning on applying for credit soon, we have seen members in similar situations generate a FICO Score by ruling out the below items. Do any of them apply to you? 

( I have a credit score on my chase account and also on my XXXX card under XXXX so I don't see how the " Items. Do any of them apply to you? '' would make a bit of difference since I have scores on those sites. ) Now I happen to know they are lying to me due to the following. 
I have a chase bank account and with that account they also give me access to my credit called XXXX XXXX. 
On that XXXX XXXX I have a FICO Score of XXXX and do you know where that FICO score comes from? 
It says it right there on the page : Powered by XXXX! Yes it does! 
So why if XXXX  can allow access to my score on my chase account they won't show it on their site? 
Because they keep offering me, for a monthly fee to give me access to my FICO score. 
They are lying to me and preventing me from obtaining the credit I am trying to get to improve my credit score. ( The one I have on my chase account ) It basically amounts to extortion. Pay us money or we won't list your fico score. 
Creditors go to their site to check my score and not my chase account. 
I am very very upset with them and have called and called and emailed and they just keep lying to me! 
Please Please Please help me to get them to stop lying to me and put my Score on their site. 
Thanks.!
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted the four ( 4 ) main Credit Reporting Agencies and let them know that they are falsely reporting an account on my consumer report as the creditor stated in writing that they were not reporting on my report. However, they are still is claiming the report as accurate after disputing with them.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Was told if I do n't pay in timely manner before XXXX 2016 that they would report me to the credit companies. I have received dozens of call. The most recent call was in the middle of Hurrricane XXXX while I was being evacuated. Please stop these heartless companies from harassing and damaging people 's lives.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Karma is reporting wrong information about XXXX account. It is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

There is an incorrect outstanding debt collection still showing on my credit report through Equifax that has been previously paid on XX/XX/2020. The collection amount of {$190.00} was paid to XXXX XXXX XXXX ( XXXX ) for a former outstanding debt to XXXX XXXX XXXX. I have tried now numerous times to get this corrected through Equifax through their online dispute process, but with no success. When contacted by phone they tell me there is nothing that they can do and that they can only go by the information that the debt collection agency, XXXX XXXX XXXX, provides to them. But in contacting XXXX XXXX XXXX ( also numerous times ) they clearly show this has been paid in their system and have even provided to me an receipt for payment of this former outstanding debt. I have provided this receipt to Equifax along with my last dispute attempt and still Equifax came back after their review showing the collection amount was still outstanding. Help!!! 
This is affecting my credit score through them and given the current economic climate it is even worse ... Equifax has been awful to deal with to try to get this simple problem resolved!!!
Complaint sub-issue: Transaction was not authorized

Timeline : XX/XX/19 payment of {$160.00} made in by mistake to an old XXXX card XX/XX/19 Three way call made to XXXX, spoke with XXXX, who advised to fax tracking details to XXXX. Advised to allow 7 to 10 days. Fax sent requesting refund. 

XX/XX/19 Three way call made to XXXX, spoke with Manager XXXX, who advised all payment research for close XXXX account goes through Citibank and to call XXXX XX/XX/19 Called Citibank at XXXX, spoke to XXXX who confirmed Citibank does handle payment research for closed XXXX accounts, and requesting proof tracking details are faxed to XXXX ATTN : IRU payment investigations. Fax sent. 

XX/XX/19 Called Citibank IRU again, spoke with XXXX, who could not confirm if documents were received although confirmed they were faxed to the right fax #. XXXX will escalate to management and asked to allow 7 to 10 days. 

XX/XX/19 Called Citibank IRU again, spoke with XXXX, whose management refused to take the call after multiple attempts. Faxed payment tracking details again.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

My current correct Address Street Number , Street Name, City, State is XXXX XXXX XXXX XXXX, Delaware XXXX. Please update the information in my file to reflect ONLY my above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have submitted and proven. These other addresses are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I have never been associated with collection account XXXX XXXX or their utility company in question. This account must be removed from my credit report immediately. I will file a lawsuit against all parties involved if this collection remains on my credit report for longer than the time allowed for you to look into this as legislated by the FTC.
Complaint sub-issue: Didn't receive enough information to verify debt

putting the wrong name on a medical debt. i received a letter from credit systems stating i owed a medical debt to XXXX XXXX XXXX XXXX, for XXXX i am disputing this i do not and never have had a medical bill with XXXX XXXX XXXX XXXX montana for XXXX XXXX XXXX of credit systems sent this bill out addressed to me, when this is not and never has been my account.
Complaint sub-issue: Problem accessing account

Citibank blocked my account with {$910.00} on XX/XX/2021 for no reason and when I called them they say they have to send a text message in order to verify my information but their system can't send it to my phone number, the same phone number I've been using since I opened my account with them and the same phone number they have on their system. After multiple calls with them for more than an hour their only response was " sorry we can't help you until we send that text '', now I have no money and no access to my funds because " the system can't send the text ''.
Complaint sub-issue: Information belongs to someone else

I have to dispute the information on my credit report that has been on there for years and to no avail nothing was done about it
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Web bank/fingerhut XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states ; no, consumer reporting agency may make any consumer reporting containing any of the following items of information, any other adverse items 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 a reasonable cause to believe that information is inaccurate.
Complaint sub-issue: Other problem getting your report or credit score

I applied for credit through XXXX too take ach payments XXXX said Equifax is showing my ssn is fraudulent and not belongs too me I called Equifax had freeze removed they said it's clear too run it's not there causing me financial hardship by refuse too release my credit report and score this is in violation of the farc act they refuse too help me.
Complaint sub-issue: Problem with fees

On XX/XX/XXXX, I paid off my Sears MasterCard with a balance transfer on a lower interest credit card. I called Sears that morning to find out the exact amount of payoff. The transaction was made on XX/XX/XXXX, the payment was made to Sears on XX/XX/XXXX. 
( I have credit card statement showing this ) After transferring the balance, I received a statement in the mail from Sears, which I will be honest with you, I did not open as I knew I had paid off the account and assumed that is what statement was, showing my payoff. 

I then received another Sears statement in the mail the following month and not understanding why I would be receiving another statement I opened it and to my surprise it showed that I owed {$100.00} The statement shows my balance was paid in full, but not posted until XX/XX/XXXX. The payment was made the morning of XX/XX/XXXX, and was confirmed with Transfer credit card that same afternoon. 

After posting my payment a day late, they charged me {$37.00} late fee, dated XX/XX/XXXX and then {$33.00} interest charges dated XX/XX/XXXX. 

Another {$37.00} late fee on XX/XX/XXXX and {$2.00} interest dated XX/XX/XXXX. At this point I called them to try to find out what was going on. I was told that the payment was not posted to my account until XX/XX/XXXX. I explained that I had the credit card statement showing that the transaction was processed on XX/XX/XXXX and was told by a Sears representative that " Even if your payment came in on the XX/XX/XXXX, it was not posted to your account until XX/XX/XXXX, which is late '' ... How is it my fault that they didn't process the payment on the due date? I mean if that is the case, the company could choose to process payments any old time they felt like it couldn't they? 

Sears was unwilling to waive the late fees. The interest they are charging me on my XXXX statement is clearly for the full amount which even by their own admission, Payment in full had already been made. There is no reason I should owe that. I called to find out payoff amount. The rest of the interest is on late fees. 
Can you please help me settle this? I do not feel that I owe them anything else. I PAID OFF my account in full on the day that it was due! 

Thank you, XXXX XXXX XXXX/XXXX
Complaint sub-issue: Information is not mine

I have submitted this complaint to have this charge-off accounts off of removed from my credit report on at least XXXX occassions. XXXX times I have mailed in my dispute and I have also submitted my dispute via CFPB and online via Equifax dispute portal. The items that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXXEach time that I have disputed these accounts Equifax has stated to me that they have come back verified and belonging to me. Impossible, I have attached a police report, FTC Affidavit that least these accounts to be removed and I have also included Equifax 's own credit report that still lists the account on my credit report and an email and the delete report from XXXX of the charge off account stating that they are deleting the account listed on my credit report due to fraud. I have submitted the same information to XXXX of the other Credit Reporting Agencies and they have removed all of the accounts but Equifax continues to do the direct opposite from what they are suppose to do. I spoke to Equifax customer service and fraudulent department on XXXX/XXXX/15 and they have again stated that the reports have come back verified. No matter how much information I send to them to show that these accounts do n't belong to me they still say they do. How can you do a detailed verification when you actually do n't. I need all XXXX of these accounts removed from my credit report and an updated report sent to me as soon as possible. Since this has taken already 60 days to do I believe 15 days for them to complete their job is suffice.