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

Please pull the phone records for a conversation that took place approximately XXXX XXXX 2015 between myself and a XXXX  customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that XXXX starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the XXXX customer service agent on approximately XXXX XXXX 2015 I waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX  notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with XXXX, and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with XXXX! 45 late payments is malicious and has indescribably made my life a living XXXX. I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the XXXX 's solely due to XXXX XXXX customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with XXXX 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired XXXX XXXX which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all 3 reporting agencies against these XXXX false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my XXXX  student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!
Complaint sub-issue: Non-sufficient funds and associated fees

I, XXXX XXXX OPENED A SAVING ACCOUNT WITH CITIBANK ON XX/XX/2020!! THE ACCOUNT WAS FUNDED THROUGH AN EXTERNAL BANK!! IN ADDITION TO THE REQUESTED SAVING ACCOUNT, CITIBANK ADDED A CHECKING ACCOUNT WITHOUT MY AUTHORIZATION!! THIS ACTION BY CITIBANK, RESULTED IN A {$110.00} OVERDRAFT FEE FROM DAY! ( ONE ) XX/XX/2020, ON MY NON-REQUESTED CHECKING ACCOUNT!! SAVING ACCOUNT WAS FUNDED WITH XXXX!!
Complaint sub-issue: Reinserted previously deleted info

XXXX credit services who is a XXXX party debt collector submitted an old account that was removed off my credit from XXXX due to it being past the staute of limitations in the state of Nevada. This was not on my credit until we we 're at the final steps of purchasing a home and they ran XXXX last credit report and this showed up. Obviously preventing my family from purchasing a home and has now left me in the position of having to possibly ask family members if we can stay with them, uprooting my XXXX children from their school XXXX of which Has a XXXX. XXXX keeps transferring us to another company called vision. They hang up on us, claim they do not need to furnish us with documentation regarding this account. Then they tell us to call XXXX and XXXX claims they do n't answer questions in regards to collections. I have read and read about how this company has done this to so many individuals out there and nobody can understand how the credit bureaus do n't research what is being placed on a report that basically is the prime basis for an individuals life. This seems fraudulent on both XXXX and the credit reporting agencies. It ruins lives just like it ruined mine because nobody at the bureau took a minute to fully reaserach the information being submitted.
Complaint sub-issue: Card opened as result of identity theft or fraud

After realizing credit multiple cards were opened in my name and promotional checks had been forged ... I notified Citi of my identity theft and Forgery, ( {$2500.00} ) provided police report number as well ... 
I was sent a letter stating ; I was responsible because I made payments on disputed account ... ( payments were made in good faith ) as l was instructed to do by a representative of Citi, while account was under review, back in 2018 ... 

Please help with matter, Thank you ...
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 XXXX XXXX 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : 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 In accordance with the Fair Credit Reporting act 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: Card was charged for something you did not purchase with the card

My visa cash app card was charged 3 times today XX/XX/2021. {$210.00}, {$220.00}, and {$58.00}. My phone alerted me of the charges. They were at XXXX in XXXX, MA. I called XXXX security and they reviewed their footage and could see where the transactions were made, but there is nothing they can do. I reside in XXXX, TX. I reported to cash app as well and no response.
Complaint sub-issue: Account information incorrect

I have accounts in XXXX that are reporting incorrect data and nonpayment status. The accounts are being paid and almost zeroed out. I have asked that this matter be looked into as they are reporting outdated information to my consumer credit files in XXXX, Equifax and XXXX affecting my scoring and limiting my ability to attain loans and/or other credit based services or products. 

I am current and have made all payments on time. I am a XXXX XXXX  XXXX XXXX and do not have the time to be consistently battling these companies to update information which is their responsibility to do. 

I am asking for assistance in this matter from the CFPB
Complaint sub-issue: Information belongs to someone else

Reached out to equifax multiple times for multiple months via CERTIFIED MAIL regarding unauthorized inquiries. They advised me to file an FTC report which I did. It has been months and no responses nor removals.
Complaint sub-issue: Information belongs to someone else

I pulled my credit reports as I have been incarcerated since XX/XX/XXXX and was just released on XX/XX/XXXX. There are several inaccurate items listed on my reports that should not be there. I have both soft and hard inquiries on my report that I did not do or authorize such as Home Depot, XXXX XXXX, XXXX XXXX, & XXXXXXXX
Complaint sub-issue: Trouble with how payments are handled

My daughter attempted to pay off her student loan on XXXX/XXXX/2015 using the " current amount '' on the Sallie Mae website. The account has a daily accrual rate but nowhere on the payment site ( i took screenshots ) does it state that this is really not the " current amount ''. We later found from " escalation department supervisor - XXXX '' that the " current amount '' is simply the last statement balance amount. 
To complicate matters, Sallie Mae, withdrew the amount out of the wrong account which of course created insufficient funds fees and of course more accrued daily interest. 
The possibility of selecting the wrong account was entertained by Sallie Mae. However, paying off your student loan is a huge accomplishment and my daughter and her mother worked together to celebrate this event. The account had been auto debiting from her personal checking account for months and when the payment was made the computer automatically selected the correct primary account ( the one it had been automatically using ) and they happily typed in the full amount, " current amount '' and pressed pay and confirm. 
Although the amount of interest is not even close to the payoff amount, it is still her hard earned money ( plus {$30.00} ISF charged to her mother and I ) plus an additional {$45.00} in accrued interest. 
After 4 phone calls the problem is still not corrected, her loan still not paid, due to Sallie Mae waiting to receive notification from our bank that the money was not in the account they tried to debit before they can do anything. I am simply wondering, as of XXXX/XXXX/2015 how many kids this has happened to and how much extra money Sallie Mae has collected when the consumer gets frustrated and just gives up. 
The consumer of Sallie Mae is encouraged to use auto debit ( website ) however this access method is not accurate and misleading. Consumer beware!
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting Act 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 Secti
on 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Complaint sub-issue: Problem with fees

A sales representative at XXXX XXXX opened up a new credit card for me with XXXX XXXX during the holiday season while I was shopping there either end of XX/XX/XXXX or sometime in early XX/XX/XXXX. I tried to payoff and close my credit card account because I decided I did not want another credit card and because on the first statement they sent me in XX/XX/XXXX they had already charged me a service charge of {$27.00} on top of the original balance for the item purchased of {$25.00} ( more than 100 % of the balance in less than a month! ). I called the number on the XXXX XXXX Account statement for the first statement I received with a statement date of XX/XX/XXXX in middle XX/XX/XXXX and was put on hold for over 20 minutes and when I reached a representative to pay the card off I was disconnected. I tried again and waited again and I was disconnected. I tried several times after that and was not able to get through. I was finally able to reach a representative on XX/XX/XXXX and paid off the balance at that time on the XXXX  XXXX credit card using my XXXX Debit Card attached to my checking account at XXXX in the amount of {$93.00} which included another {$38.00} service fee on top of the original {$27.00} service fee. I also canceled the XXXX XXXX credit card at that time and was given a confirmation # of XXXX by the online customer service rep. I then received a bill from XXXX XXXX in late XX/XX/XXXX with a due date of XX/XX/XXXX with a new {$40.00} service fee added on. This is all for the same account # XXXX that was supposed to have been closed weeks earlier under my name XXXX XXXX. I have tried logging on online and not been able to and had the same problems getting through on their phone # on their account statement XXXX. I believe this constitutes credit card fraud and they are playing inept in order to charge you exorbitant penalties and fees and will not allow you to pay off the balance or close the card.
Complaint sub-issue: Information belongs to someone else

I just obtained a copy of my credit report and I was very surprized to see several unauthorized account that I had no prior knowledge of.
Complaint sub-issue: Debt is not yours

Debt was for XXXX added to credit report. Original debtor was XXXX XXXX Hospital in XXXX or XXXX, nm. I did not live in XXXX XXXX XXXX from XX/XX/XXXX toXX/XX/XXXX so debt can not be mine. Even if i was at yhe hospital I have XXXX to pay the medical bills since XXXX. So the debt is false and not mine. Needs to be removed from credit report.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX company is reporting the same account on my credit reports and increasing my debts owed falsely. It was removed once and reinserted without any type of letter or information mailed to me stating so. Incorrect information can not be lawfully reported. The information is incorrect, the amount is incorrect, the information listed does not match my name or address. I have disputed it with the credit bureau repeatedly to no avail.
Complaint sub-issue: Account information incorrect

company continues to provide incorrect information even after being shown the information is inaccurate
Complaint sub-issue: Information is not mine

On or around XX/XX/XXXX I mailed Equifax letters informing them that my personal information has been used fraudulently resulting into several accounts being opened and sent to a collection agency. Equifax failed to answer or dispute any of the accounts that where being reported as a result of identity theft. They knowingly violated 15 U.S.C. 1681 ( c ) 2 ( a ) 1 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reinvestigated my credit report, I realized that the same accounts was still erroneous. The 3 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX  XXXX XXXX Balance : {$0.00} 2. XXXX XXXX XXXX XXXX Balance : {$9300.00} Equifax 1. XXXX  XXXX XXXX Balance : {$0.00} 2. XXXX XXXX XXXX  XXXX Balance : {$9300.00} XXXX : 1. XXXX XXXX XXXX  XXXX Balance : {$9300.00}
Complaint sub-issue: Deposits and withdrawals

I opened a Citibank account under promotional terms : deposit {$15000.00} in new to Citibank funds and hold for 60 days to earn {$400.00}, which would be deposited within 90 days after meeting the aforesaid requirements. Now Citibank is refusing to pay after I've met the requirements. I never would have opened an account with this bank if not for the promotion.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again.
Complaint sub-issue: Account status incorrect

I hate to be a pest about this, but I have been trying to make sure that only accurate information appears on my report to no avail. I have submitted copies of my FTC ID Report, along with copies of police report filed a long time ago validating my assertion of theft and or vandalism of property along with my ID and drivers license etc. I also attached a Certified Notarized copy of my ID Theft statement. 

I continue to have several inquiries and attempts to open new accounts in my name even though i have placed fraud alerts on my accounts. I need these items deleted from my credit report as I have not authorized these items not the following accounts. 

Inquiries : XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX -XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - Opened XX/XX/XXXX - This account shows balnce of XXXX - This account should reflect a XXXX balance as I have paid this account off in a month. 

XXXX XXXX ( All Accounts still showing I have done business with them but this is not true and results from Accounts being established in my name without my consent. )
Complaint sub-issue: Account information incorrect

Not Legal Validation & Re-ageing Debt I wrote Equifax regarding XXXX  ignoring my dispute letters for months now and did not send me anything to Validate the debt and by not responding agreed that this account to be removed. Equifax is refusing to remove an account that the original which is XXXX XXXX refusing to Validate. Equifax is in violation continuing to report. 

Also the debt was Re-Aged by Equifax by 2years which is a violation according to the FRCA. Debt should be reporting accurately with factual information.
Complaint sub-issue: Problem accessing account

Complaint : PNC Bank unable to access funds Former XXXX Compass customer, now forced to bank with PNC since the conversion on XX/XX/2021. 
We had XXXX accounts with BBVA of which, only XXXX have been rolled into PNC. We are unable to access a savings account with over {$16000.00} for now going on XXXX weeks. 
I have contacted PNC XXXX times a week spending close to XXXX hours to try to get this problem corrected. I have spoke to dozens of PNC employees and was continually told " Funds will be available in XXXX days '', Finally assigned a customer representative XXXX weeks ago, have been assigned a XXXX XXXX, however, I still get the same response, " Funds will be available in XXXX days ''.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX. 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 and XXXX XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

I had an account with XXXX XXXX Account # XXXX Which I had paid off back in 2016. I have checked my credit report and notice several discrepancies. 1. The Last payment made differs drastically between the bureaus 2. No First delinquency date is listed, this is important since it lets me know when this account will be remove. I have sent a letter to XXXX XXXX and Equifax and to no avail did any corrections happen. It seems they get the data from the same source XXXX XXXX which seems to be sending inconsistent data.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

{$3400.00} charged to my XXXX XXXX Citibank card by XXXX who then suddenly closed business and absconded with everyone 's money starting around XX/XX/XXXX with a notice on the website that no refunds would be given and this was for a trip we were scheduled to take on XX/XX/XXXX. I opened a dispute with Citibank for this and was initially denied based on XXXX saying they provided a refund although this was clearly not true as they were able to access my account showing no refund. I then filed additional claim which they re-opened and I was told it would be resolved by XX/XX/XXXX, it has still not been resolved and now says it is pending again until XX/XX/XXXX.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XXXX XXXX 2021 an unauthorized charge was made on my account, and immediately the card was reported as stolen. XXXX then arranged for a refund, for the amount of the transaction in {$81.00}. I have been dealing with XXXX who stated they definitely issued the refund back to my card, which at the time was reported stolen, but Cash App, or XXXX XXXX, reassured me that it would go to my new card. I have been given a complete runaround by Cash App or XXXX XXXX  since. I can't ever speak to a human being, they keep telling me they need my email address in order to escalate this, however no one has contacted me in regards to this transaction. I have contacted them over 50 times, and every time they take my email and say they will be in touch with me, but no one ever contacts me. I've been dealing with this since XX/XX/XXXX. It is now XXXX XXXX, and my refund has yet to be returned to my card. I get no answers as to when this refund will be issued back to my account, and again can't get any resolve to this issue. This was the second refund to be issued to me by XXXX, one was received but this one has gotten no answer as of yet. This is a Cash App or XXXX XXXX  issue since the store issued the refund on their side. Most recent case number is XXXX.