Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive terms that were advertised

A correspondence dated XX/XX/2020 was sent to USBank requesting {$190.00} ( now {$190.00} ) in errant " Monthly Maintenance '' charges be refunded back to my account. I have been fully complaint with the terms which would prevent these fees.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing fraudulent accounts in my report but I get no response from either creditor nor the bureaus. The problem is still there and nothing has been done to address my concerns.
Complaint sub-issue: Was not notified of investigation status or results

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX, Equifax and XXXX XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies Denefits # XXXX  # XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  XXXX Account XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy XXXX accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. 

I appreciate your prompt attention to this matter, and await your reply. 

Remove this fraudulent and inaccurate information from my credit bureaus or i will take legal actions without further notice and this complaint services as proof that i tired to resolve this fraud
Complaint sub-issue: Received bad information about my loan

I graduated in XXXX with a XXXX XXXX degree and went to work for XXXX in Ohio. My family has a long history of XXXX. I was told in XXXX that XXXX Loans enrolled me in the Public Service Loan Forgiveness program. They did n't and they went out of business. They sold my loan to XXXX. I contacted them to make sure that it got transferred properly and that 's when I found out they never put my loan into that program. They assured me that they would fix it and that my loan would be in that program. They did n't and they went out of business. They sold my loan to Mohela. I just found out today that I have never been put on the right kind of repayment plan. 

I have made 7 years of payments, always on time, and none of them count. I was supposed to have loan forgiveness after 10 years of on time payments. I just want credit for my 7 years, because I had no way to know or even no way to check if what I was told actually happened. Even if the total of my payments would have been more than what I did pay, I am willing to pay any additional funds that I would have paid, had they done what they said they were doing. 

I am XXXX years old, and I want to retire someday, sooner rather than later. I have very little to retire on because I was a military spouse for 20 years and had a sporadic work history, and now I work in XXXX, so the social security administration is going to cheat me out of a lot of my retirement because I get XXXX retirement for part of my work history. ( That 's another messed up financial situation that your agency should look at. ) I will probably have to buy a mobile home with money I get from my parent 's house when they pass away, just to be able to afford to live in retirement. I ca n't pay student loans in retirement. If I could discharge them in bankruptcy, I would since I feel like I have been cheated. I have always paid all of my debts. I even almost lost a house in the recession but worked really hard to sell it at a loss rather than default. I lost XXXX dollars in home-ownership in the recession, because when I sold house number XXXX, it was XXXX and I had no idea that the whole economy would tank in XXXX. I purchased a condo in XXXX and it is currently worth XXXX less that I originally paid for it. 

When I first discovered the problem with XXXX, I found evidence of XXXX Loans doing this with a lot of people, but I no longer have the information. I know it 's there and could be found with some intensive XXXX or other searching. Please help me. I have always tried to do the right thing in life, and have gotten XXXX by circumstances, but this is just wrong and seems like it should be able to be fixed, since it was a couple of people who either lied or were just too incompetent to do the job right. No one wants to take any responsibility, and I just want this corrected since I did what I was supposed to do, and have dedicated my life to XXXX. I realize that the people who messed up my loan not once, but twice, are not able to be found. But I want someone now to step up and do the right thing, and fix this error. Thank you.
Complaint sub-issue: Termination fees or other problem when ending the lease early

On XX/XX/XXXX, i bought a XXXX XXXX XXXX from XXXX XXXX, XXXX Ca. This dealership is no longer in business This car was leased for 36 months through, Volkswagen Credit, XXXX XXXX XXXX, XXXX Il XXXX. Phone XXXX XXXX XXXX. Account number XXXX. 
i decided to sell the car to XXXX and on XX/XX/XXXX i called Volkwagen Credit and was given a customer pay off of {$17000.00} good through XX/XX/XXXX. When XXXX contacted VW they were told the dealer pay off was {$18000.00}.

I called back VW and the told me that the customer pay off was based on residual value and the dealer market value, unless you are a VW dealer. 
i do not understand this and every one i have talked to does not seem to either.
Complaint sub-issue: Reporting company used your report improperly

Following national news of Equifax 's data breach affecting 143 million people, I used tools provided by Equifax to verify that my personal data was at risk and then placed an initial 90 day fraud alert on my Equifax credit file on XXXX/XXXX/XXXX.
Complaint sub-issue: Debt is not yours

The Company named ERC Enhanced Recovery Company also known as Enhanced Resource Centers sent me a bill of {$220.00} for an account they claimed I owed to XXXX in 2011! They record the call and force you to agree with them about the addresses they have on file in order for them to continue with the call, but then turn around as use your recorded voice as if fraudulently you agree that you owe the debt. I AM NOT DELINQUENT WITH ANYONE. You can not speculate or falsely claim I owe a debt as well and falsely report this debt as current from more than 10 years ago.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2021 at XXXX ( according to my bank statement ) I withdrew some cash with my Citibank debit card at an ATM on a busy street in XXXX , XXXX . Then I went on about my day being a tourist. On XX/XX/2021, I noticed I no longer had either my Citibank debit card or my XXXX XXXX credit card. I instantly reviewed my accounts and noticed that there were charges on both cards that I did not make and several cash withdrawals on my Citibank debit card. I called both companies on XX/XX/XXXX reporting the charges as fraud. XXXX XXXX credited all the charges back to my account with no issue. However, Citibank are refusing to credit my account for some charges even after approving crediting my account the cash withdrawals that happened on XX/XX/XXXX even before the merchant charges that happened on XX/XX/2021. They are refusing to credit back my account for {$2500.00} that happened on XXXX XXXX at XXXX, {$1200.00} on XX/XX/XXXX at XXXX, {$1000.00} on XXXX XXXX at XXXX, {$11.00} on XX/XX/XXXX at XXXX, {$11.00} on XX/XX/XXXX at XXXX, {$4.00} on XX/XX/XXXX at XXXX and also all the foreign transaction for charges ( {$75.00}, {$37.00}, {$31.00}, {$0.00}, {$0.00} ) which I did not make any of these charges. These merchant charges were all made on XX/XX/XXXX after the cash withdrawals. I have appealed their decision three times now, but they have not given me any substantial reason why. I even told them that I have a witness that will confirm that I did not even leave the XXXX all day on XX/XX/2021. The latest case # I had open was XXXX and they have could not resolve the dispute in my favor. I have been a customer for over 10 years and never had any issues with my account, but now I can not get my money back for fraudulent charges that I did not make.
Complaint sub-issue: Account information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account FEDLOAN SERVICING is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Complaint sub-issue: Problem getting your free annual credit report

Everytime i request and equifax credit report or credit score there is and error messege telling me to call them but everytime i speak with them i get the samething which i have to verifiy who i am but when i verify my self I still can get no credit report or see my disputes.
Complaint sub-issue: Their investigation did not fix an error on your report

Sent repeated letters to the credit bureaus to have an unverified debt collector removed off of my account and they started by sending mail stating it was verified and the last letter in XX/XX/2020 stated that they were done investigating unless I had new evidence, yet the burden of proof of the debt is not on me, especially when I can't get a decent response of verification from either bureaus or the debt collector
Complaint sub-issue: You never received your bill or did not know a payment was due

Regarding a Citi credit card, Citi can not /will not display a pdf monthly statement through my account on their website. Without that information, I do not have a billing address and can not pay any balance. Citi representatives keep recommending to " clear cookies '' on my computer, but the problem is on their website. I believe this is intentional fraud on the part of Citi who does not want me to have a statement and thus can charge late fees, penalties, and attempt to damage my credit. This practice should be investigated. Consumers should have the right to receive a monthly statement.
Complaint sub-issue: Received unwanted marketing or advertising

i first signed up for credit karma about 10 years or so ago, hoping to moniter my credit. 
over the last three or four years i kept getting pre-qualifying offers that said there would not be any harm to my credit file and now i have so hard inquires on my report i am not able to get a loan to buy a house that i have been trying to purchase. 
even after i asked not to receive anymore i do, and they will not remove any 0f the hard inquires.
Complaint sub-issue: Received bad information about my loan

My student loan held by US Dept of Education is being service by Nelnet. I 've called Nelnet in XX/XX/XXXX to obtain outstanding balance information on my student. I was told my current balance was {$17000.00} which include debt from XX/XX/XXXX to XX/XX/XXXX. Approximately two months later I 'm being told my student loan balance increased by {$6500.00}. I called Nelnet servicing dvision to get reason for the increase. At first, customer service representative was n't to sure for the reason and transfer me to a supervisor. Supervisor told me increase was due to reduced APR I was being charged while I was in Chapter XXXX bankruptcy. Student Loan with US Dept of Education was included into my Chapter XXXX bankruptcy filling. I told supervisor this in direct violation of the federal bankruptcy laws. I 've sent letters to both US department of Education and Nelnet asking for someone to contact me regarding matter. I 've attempted to contact US Department of Education for assistance, but was unable to get any help. I getting the run around with Nelnet when I ask for explanation. Nelnet saying it 's US Department of Education that caused the increase. Which is untrue. My Chapter XXXX bankruptcy was discharge in XX/XX/XXXX and XX/XX/XXXX Nelnet provided balance of {$17000.00}. Do n't understand {$6500.00} increase two months later. I 've asked Nelnet to do a full accounting audit on my loan balances, but have yet received any information from Nelnet. Nelnet is misrepresenting my true loan balance and refused to get matter corrected.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, I C SYSTEM, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. Thank you.
Complaint sub-issue: Debt is not yours

Good Afternoon and please help me~!!! 

I'm not quite sure who i need to reach out in regards to this, but back in XX/XX/XXXX-XX/XX/2018 i resolved this issue here with XXXX XXXX  and disputed it directly with them and the company that held this debt. It was determined that the account was not mine and it was deleted from all the 3 major credit bureaus. Today i pulled my credit and not only i found the only negative thing on my credit, but totally different collection name, different account number and different open date. This is wrong. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX admitted and informed me that acct XXXX delinquent account no longer exist in their records. 

XXXX XXXX has followed the law and removed this XXXX XXXX delinquent account off my credit report However, Equifax and XXXX still continue to report this account on my credit report as accurate when in fact it should be removed. 

Document attached shows that XXXX XXXX does not have this XXXX XXXX delinquent account on my credit report because they removed it.
Complaint sub-issue: Information belongs to someone else

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


US DEPT OF ED/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

Please be advised that XXXX  XXXX XXXX ACCT # XXXX or ACCT # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2017 I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of XXXX according XXXX XXXX XXXX XXXX. XXXX et. seq. My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing. 

Also, this account is showing 2 different kinds of account number based on the credit report. Acct # XXXX and XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

15th compliant lexisnexis keeps saying I did not provide new information. What information do they need I provided it I have no idea who XXXX and XXXX XXXX are [ s you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on XXXX maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints
Complaint sub-issue: Problem accessing account

On XX/XX/2022 I attempted to transfer money using XXXX through my checking account which I have with Ally bank. A pop-up notification said they could not complete the transaction and to call them. This led me to being completely locked out of my account because I did not answer one or more of XXXX authentication questions correctly, which I think they have incorrect. They then said the only way I could access my account was to send a photo of myself holding my drivers license next to my face, a bill with my name on it and a photo of a social security. I explained I lost my ss card over 30 years ago and they said they would not allow me access to my account without it and suggested I order a new one. ALL of my money is in this one account.
Complaint sub-issue: Information is missing that should be on the report

I was disappointed to see the following entries on my credit report, as they are in violation of the Fair Credit Reporting Act.
Complaint sub-issue: Other problem

My Citi bank credit card many times decreased our credit limit with no adverse info in our report.
Complaint sub-issue: Account status incorrect

Checked my account and saw my score down -54 points with no explanation this is a deceptive technique as this is retaliation for informing cfpb and other federal agencies about the fraud that is being done on a nationwide level. 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act. Notice, it is a fact, affiant is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. XXXX  was not given the chance to opt-out of having this reported information about XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed. 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transactions must be excluded from your consumer report. Notice, it is a fact, affiant is aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I notice some inquiries on my report that I did not authorize. Here are the list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I have been contacted again for a account by consumer cellular that was discharged in bankruptcy, consumer cellular first reported the account to professional credit and now I have been contacted by IC Systems Inc, The state attorney Generals office Oregon was contacted and the company was supposed to stop trying to collect this debt because of the bankruptcy
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, Account # XXXX, Account # XXXX, Account # 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: Threatened to sue you for very old debt

Violating 15 USC 1692e, sent validation of debt letter to original company. Per the " 8 Parts to a Lawful Contract '' this debt was never accurately validated as mine. All I received is statement of account, presumptions and assumptions and threat of a civil lawsuit. I specifically asked to see a valid contract with both parties signatures and didn't receive. I have given more than enough time since I sent my first attempt at verification months ago. If there is no valid contract then how can you attempt to sue on a presumption? I have spent many awake and sleepless hours of my time on this matter and I should receive compensation for my time and postage.