Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Need information about my balance/terms

In XXXX I took out a student loan with XXXX. I did n't repay it properly. In XXXX I entered into a Consent Judgment with them. I did n't repay that properly either. The loan was purchased by The Cadle Company in XXXX. They sent a Demand Letter setting the interest at 6.679 %. In XXXX they applied to renew a default judgment. It was granted XXXX/XXXX/XXXX. It was dismissed, and the case closed XXXX/XXXX/XXXX because of non-service. On XXXX/XXXX/XXXX they filed to reopen the case. It was granted on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX they refiled applications to renew default judgment. THE JUDGE DID NOT SIGN EITHER OF THE APPLICATIONS OR ORDERS OF JUDGMENT. ALL XXXX APPLICATIONS AND ORDERS ARE WITHOUT A JUDGE 'S OR CLERKS SIGNATURE WHICH RENDER THEM INVALID according to XXXX. In XXXX they brought the XXXX/XXXX/XXXX judgment to the district court and began garnishing me and had retroactively reapplied the interest of 12 % back to XXXX, when they knew that the order had been dismissed and that no subsequent order of judgment had been granted ( The XXXX reads that it was granted, but the actual judgment for XXXX/XXXX/XXXX is unsigned ). They also knew that the interest rate had been set by their prior document at 6.676 and not 12 %. They also knew that they could not retroactively reapply it back to XXXX as that practice had been deemed " deceptive and in violation of FDCPA by the United States District Court ( See XXXX ). The courts are wrongfully allowing these and many other contradictions to the court rules showing bias for the debt collector. On XXXX/XXXX/XXXX the district court allowed them to renew the default judgment ex-parte without meeting any of the specified criteria like attempting to serve me first, etc. Most importantly, they are ignoring that the judgment that they were allegedly renewing was invalid, because it had never been signed by a judge or clerk. I know that it is also against federal law for them to collect on an invalid judgment and to fraudulently manipulate the interest. I hope that you will act to see that this invalid judgment is set aside.
Complaint sub-issue: Reporting company used your report improperly

The companies of XXXX, XXXX, Lexis Nexis are reporting information on my credit report that was given my permission and using pre-purchased information from third party sites to report inaccuracies on my credit report. FCRA 611 ( 15 U.S.C. 1681I ) It is a violation and I verified with the clerk that they do not report to credit reporting agencies.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a copy of a lawsuit showing that my motion for summary judgment against Plaintiff XXXX Card was granted. The court agreed that Plaintiff sues the wrong XXXX XXXX and/or the wrong person as my account was not the one for the basis of the lawsuit and the information in my credit report is wrong. It should have been removed. I have notified each credit reporting agency multiple times yet XXXX Card continues to report incorrect and/or inaccurate information concerning a purported charged off debt that isnt mine. They even hired a bs law firm to sue me and their case was dismissed after I proved to the court the account wasnt mine. Please order or direct them to remove this error from each of my credit reports.
Complaint sub-issue: Fee problem

I had an account with Commerce Bank. I decided to change automatic payments from that account to a different account at a different bank. Due to timing the payments hit the Commerce Bank account when it had no funds in it. I had already set up the outside accounts to be paid to the new account but again, timing didn't work out. Instead of returning the payments, Commerce forced the payments through. What is strange is that they had returned them at one point and then when the company tried again, Commerce forced it through. 

When opening the account, I opted out of any overdraft protection the bank offered so those charged should not have been honored and returned by the bank. 

Since the payments were forced through by Commerce Bank and my outside company account was paid, I offered to pay the amount the account had gone overdrawn as a result. I refuse to pay for the fees because the payments should not have been forced through by Commerce Bank. 

I have intermittently tried over the last 4+ years to talk to a branch manager to waive the fees so I could pay the outstanding balance. I have been denied every time. 

I tried again today and was told the fees can't be waived now because it's been too long. I was also fed a line about the payments being a different kind of ACH so that's why they got forced through. I happen to know that is not true and do not appreciate the lie. 

I will gladly pay the outstanding balance but will not pay the fees. Their error has cost me the ability to open accounts at other banks. Fortunately, I opened one before this issue hit XXXX so I have a functioning account but this shouldn't stop me from being the responsible consumer I am. 

The amount I believe I should be liable for is {$83.00}. I would need Commerce to verify that though.
Complaint sub-issue: Their investigation did not fix an error on your report

Three years of back-and-forth and because it had already been discussed two of the three CRAs have yet to remove what is a gross error on my credit report regarding the current existence of a child support case. 

As you can see I have attached the necessary proof to show otherwise and would appreciate the compliance of the FCRA by both companies in the instant removal of the miss information.
Complaint sub-issue: Account status incorrect

Applied for XXXX XXXX card on XX/XX/XXXX ( XXXX Bank Visa ). Purchased {$160.00} at that time. ( See attached document ) Received card at home address about 2 weeks later. 
Called on same day for billing information and paid same amount ( {$160.00} ) by check on XX/XX/XXXX. Never received bill in mail. 
On XX/XX/XXXX I ordered item on-line from XXXX XXXX. Amount of item was about {$100.00} Forgot about this item among XXXX shopping spree. 
Unknown to me, XXXX XXXX bills were being sent to wrong P O box. Never had XXXX XXXX   XXXX. 
XXXX Bank never notified me of returning bills even though they had my telephone number, home and E-mail address. 
Account grew to {$290.00} in 6 months due to fees and interest. 
Account was sold to Citi Bank in late XXXX of XXXX. 
Citi Bank called me by phone upon receiving account and account was settled onXX/XX/XXXX. 
I declined offer of XXXX XXXX Mastercard from Citi Bank. ( See attached document )
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT FOR THE 2ND TIME ON BEHALF OF MYSELF. 

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX
Complaint sub-issue: Can't temporarily delay making payments

Just want to know if they still records of the account and are they still open from XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX 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: Information belongs to someone else

Look I can understand in this life many situations but I can not understand the fact that fraud inquires are in my own credit report. They are Spamming my business activities. With this kind of failures of reporting I do not need to have even enemies! my life situation damaged. Moreover its killing me because I can not do anything. I have never allowed any companies to do these inquires and I do not recognize none. I am not connected to this at all. Its complete fraud. Someone used my personal information or its just error in reporting bt I am begging you to remove them as its important.
Complaint sub-issue: Called before 8am or after 9pm

A " Jefferson Capital Syst " something company keeps calling at all times of the day, they flagged my credit with an absurd amount of money " owned '' that I have no idea where it's from. Please make them STOP.
Complaint sub-issue: Information is not mine

I have reported this item to the equifax 16 times this time this calendar year. Each time they are citing there has been an investigation, this account was 'verified as belonging to you ( me ), and no removal of a fraud account in the name XXXX ( XXXX ) has been made. I sent copies of my police and arrest reports showing the fraud account number, address, and company information. On my credit report it is listed XXXX. This is a subsidiary to a company called XXXX. The account was opened in XXXX Arkansas. XXXX 's company headquarters is based in Louisiana XXXX XXXX XXXX, XXXX, LA XXXX but the contact number listed as the company 's resolution contact for question post-investigation is a personal landline number that has no affiliation with any business or conglomerate. I 've sent both the victimized debtor and Equifax via USPS mail, Fax, and online upload submissions of the police investigation And arrest reports and both are aware of details of legally upheld claim of identity theft and the arrests made due to these accounts. I have made many failed attempts at resubmission of the same disputes regarding these fraud accounts with the credit company, Equifax, to resolve the quandary and each time being met with stonewalling and returning to the same unfounded results. XXXX and/or XXXX are the same entity. The account number is verbatim the same which is referenced as an identity fraud account in the police report. Equifax has stated this will remain on my credit report because it was ineptly verified by Equifax with the company that was also victimized by the actions of the offending parties of which the account genuinely belongs to. I have provided the credit agency with documented evidence of these fraud accounts with the same account numbers, charge off balance amounts, and business addresses.
Complaint sub-issue: Problem with fees

I opened a Best Buy Citi Visa card when I purchased a laptop to facilitate my daughter 's distance learning school curriculum in XX/XX/XXXX, in order to get 18 months ' same-as-cash financing. We planned to pay off the purchase ahead of schedule, so my husband and I began paying {$100.00} toward the balance of the card at the start of each month. The original balance on the card from the laptop purchase was {$1000.00}. Each payment was made well ahead of the billing due date on the XXXX of the month. 
The trouble started in XX/XX/XXXX, when our payment was counted as a second payment for XXXX, instead of as a payment for XXXX. Since their system did not recognize any payment having been made for XXXX, I was assessed a late fee of {$29.00}. Assuming it was an error, I called the company to complain ; they waived the late fee. Still not understanding that paying too early in the month was causing payments to be counted towards the previous month, I was assessed another {$29.00} late fee in XX/XX/XXXX because my XXXX payment was recognized as a second XXXX payment. Now recognizing the problem, I paid a second time in XXXX to make sure a payment was received late enough in that month to not be counted as a XXXX payment. This time, however, the company did not waive the late fee. 
Because of the late fee, when I paid off the exact amount of the purchase in XX/XX/XXXX, a {$29.00} balance remained on the account. Calls to the company requesting to waive the late fee were fruitless. I was kept on hold for unreasonable amounts of time, and no one ever explained to me why I should owe a late fee for payments made ahead of the due date each month. Citi steadfastly refused to waive the disputed balance. Meanwhile, I was being assessed additional late fees and interest on the disputed balance on my card. My credit score was damaged. Collectors began to harass me by mail and telephone. Finally, in XX/XX/XXXX, a representative from Citi explained to me that their terms and conditions held that payments made too early would not count toward that month, and, as such, would result in a late fee. I have been unable, as of yet, to find such language in the terms and conditions.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Notified PNC of fraudulent activity on my card credit card on XX/XX/22 just a month after last reporting PNC for poor fraudulent practices. 

They turned off the credit card as expected and are sending a new one. 

However, disputed charges still remain AND IN ADDITION, PNC charged me a transfer fee without notice or agreement. I was charged a transfer fee from their card to their card while a victim of fraud. Shame on you PNC.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XXXX XXXX of 2022 I called into XXXX to cancel my card because there were charges on my card that I did not authorize, So today XXXX XXXX of 2022 I went in and got a new card and disputed the charges, Today is XXXX XXXX, 2022 Same day as I got the new card and my payroll check was put in my account there were three separate charges to a place called XXXX which drained my account. I called in as soon as it happened and a account specialist told me to wait until the payment processed to make a dispute? This is the second time this account has been charged fraudulently. When I looked up XXXX Today online it said it was fraud and a scam warning. So now I have absolutely no money and I have children I need to take care of please tell me how this can happen within just a few days and on a card I just got today. And there is no way they can decline the charges its wrong. XXXX XXXX XXXX! A {$93.00} purchase occurred at XXXX. Available Balance is : {$480.00}. REPLY STOP TO OPT OUT. XXXX A {$150.00} purchase occurred at XXXX. Available Balance is : {$330.00}. REPLY STOP TO OPT OUTXXXX! A {$170.00} purchase occurred at XXXX. Available Balance is : {$150.00}. REPLY STOP TO OPT OUTFriday XXXXXXXX XXXX XXXX! A {$55.00} purchase occurred at XXXX XXXX XXXX 
vailable Balance is : {$97.00}. REPLY STOP TO OPT XXXX! A {$29.00} purchase occurred at XXXX XXXX. 
Available Balance is : {$67.00}. 
REPLY STOP TO OPT OUTFriday XXXXXXXX XXXX XXXX! A {$34.00} purchase occurred at XXXX. Available Balance is : {$32.00}. REPLY STOP TO OPT OUT
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax XXXX XXXX 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 is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 Equifax
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wromng person.
Complaint sub-issue: Problem lowering your monthly payments

I attended  XXXX   XXXX   XXXX   XXXX ,  XXXX  through  XXXX ,  XXXX  and received my Associates in  XXXX   XXXX   XXXX   XXXX  with a GPA of  XXXX . In talking with the recruiter, I feel I was wrongly advised to take on loans which I was not, and would not be after graduation, prepared to repay. When I was nearing graduation, I sought help with the job placement department and was told to wait until my final quarter until I could receive any help. I found the jobs I was offered to be very low in wages, nothing near the advertised salaries for graduates in my field. I was told that  XXXX  had a close relationship with employers, who had several training points that  XXXX  would train us on but upon entering the job market, I realized the technology I was taught was outdated and too broad to be considered useful in the real world.     I owe {$30000.00} in my federal loans. I am not able to pay them back. I am currently in forbearance but my interest continues to accrue. I have paid several  XXXX  dollars in interest in the past  XXXX  years and am not able to keep up with the growing interest, or pay back a significant amount of the principal.     The education I received was incredibly lacking and was catered for the students who were doing the bare minimum. All too often, when asking clarifying questions, the teacher would tell me they did not have the time to answer my question or that the curriculum did n't allow for such depth of knowledge.   In class problem solving was not teaching me the way the technology worked, it was a controlled environment, meant for the laziest of students to find the obvious answers. When I asked the teachers for help with problem solving, I was told to confer with my peers, who were just as unprepared as myself. Our team would tirelessly work to solve the problem, unable to learn the principle. Other students, who chronically misbehaved and underperformed, were given a passing grade for doing much less work. We all received the common denominator level of education. My education was largely the result of my own efforts, reading the text book several times over, doing independent research online on the subjects. In class learning was a very base level education on outdated technologies, and in way too many fields of study. There was not sufficient time to learn any of the topics as the curriculum was constantly moving onto the next field with the very broad " computer and electronics engineering technology '' area of study.            XXXX   XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

On  XXXX   XXXX  I registered a Best Buy Credit Card to purchase a {$1000.00} TV with 6 months no interest. I later purchased another TV in  XXXX  for {$600.00} on the same card.     I had been making payments every month since  XXXX  and continue to this day  XXXX   XXXX   XXXX  ). I never gave it too much thought but finally iwondered why the balance never lowered. After 10 years of paying at least the monthly minimum I still owed {$1600.00}. I looked into my bill statements when I noticed I was paying something called " debt protection. '' This debt protection service would amount to  XXXX  dollars a month. I had apparently been paying this fee for all 10 years and had no idea what this was or why it was on my statements.     Mid  XXXX   XXXX , I calle d Citibank ( whi ch had taken ove n   XXXX   when I signed up for the card ) and told them my con cern. They put in a request to refund me the money I paid into the debt protection service which amounted to about $  XXXX  as what they told me. A couple weeks later I received a letter from Best Buy stating " any previous billed fees are valid and non-refundable. '' They denied the attempt of a refund but did opt me out of the debt protection service.     I have since call ed Citibank and B est Buy hoping to get clarification in the matter. They have not given a proper answer or direct contact letting me know why the refund was rejected or why this was added onto my statements for 10 years. After doing more research into  Citibank  and  XXXX , it appears there was some fraudulent activities occurring as they were participating in unfair deceptive credit card practices- latching on add-ons to your bill without making the consumer aware.     I had no idea what this debt protection was or why I was enrolled in it. I 'm still not sure what it even offered or why it was included when signing up for a Best Buy credit card.
Complaint sub-issue: Was not notified of investigation status or results

US Bank has information connected to a different person on my credit report and refuse to remove the information with XXXX Credit bureau. 
I called and spoke to a US Bank Fraud representative that stated she could not find my full name in their data system. I explained the accounts are dated before I was established in the US. Then, she wanted my information to mail forms to be filled out. I was hesitant on providing my personal information but they were going to send forms and someone from the company would contact me. She gave me the Claim ID number XXXX on XX/XX/2021. 
Nothing was sent and no phone calls yet two accounts were remove from XXXX and a credit card account continues to remain.
Complaint sub-issue: Problem with customer service

I received in the same day a denial saying that my PSLF discharge was denied because I was no longer employed by a government entity ( I am, and the form I submitted showed I still am employed. ) The SAME day I received the following message from MOHELA in writing that said " Thank you for contacting MOHELA, Congratulations! There is no further action that you need to take. We will notify you once the discharge is in process. Public Service Loan Forgiveness ( PSLF ) Discharges can take up to 90 business days from the notice to be complete. " When I called it took 10 times at least being on hold for hours and when I finally got through the girl was clueless and said she didn't know why my loan wasn't discharged and the denial " must have been a mistake '' and said it looked like I had done everything I need to do. When I hung up she resent a copy of the same denial. Their website currently has me with XXXX qualifying payments for pslf and they say on the phone and in writing that I've done everything I need to do, yet they STILL show a balance due and are still reporting this balance on my credit report. I can get NOBODY on the phone who can tell me why my loan hasn't been discharged and my credit is being negatively affected.