Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

AFTER THESE GLORIFIED CROOKS CLOSED MY ACCOUNT, THEY ACCEPTED A PAYMENT FROM XXXX XXXX PLAN OF {$680.00} THAT WAS DIRECTLY DEPOSITED ON XX/XX/2020. THEY WOULD NOT ACCEPT A PAPER CHECK PAYMENT THAT I TRIED TO DEPOSIT TO KEEP MY ACCOUNT OPEN OR AT LEAST REOPEN IT AND THEY CLAIMED THEY COULD NOT ACCEPT IT BECAUSE IT WAS ALREADY CLOSED AND YET THEY KEPT MY DIRECT DEPOSIT PAYMENT I WORKED HARD FOR OF {$680.00}. HAD THEY RETURNED THE PAYMENT TO XXXX, I WOULD HAVE BY NOW GOTTEN A PAPER CHECK FOR THIS AMOUNT. BUT INSTEAD, XXXX, ACCORDING TO XXXX  WHOM I SPOKE WITH ON XX/XX/2020, SAID THE FUNDS WERE ACCEPTED AND ASSIGNED THE EFT NUMBER XXXX ON XX/XX/2020 AS MENTIONED ABOVE. I AM DISGUSTED THAT SUCH A THIEVING FINANCIAL INSTITUTION WHO NEVER HELPED ME WITH MY SMALL BUSINESS WOULD COMMIT SUCH THIEVERY WITH ALL THE MONEY THEY MAKE SUCH AS OWNING A STADIUM  FOR THE XXXX XXXX CAN BE SO XXXX. I AM WITHIN MY RIGHTS TO CALL THE FBI FOR WIRE FRAUD COMMITTED BY THIS THIEVING FINANCIAL INSTITUTION.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I send a dispute to Equifax about the following account XXXX XXXX XXXX  XXXX ( Opened : XXXX. XXXX, XXXX, Credit limit {$750.00} ) that was open by someone that stole my identity. With the dispute I also send Equifax an Identity Theft Affidavit. I have done my research and I know that Federal law as is stated on the FCRA, sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), obligate the credit bureaus to delete the fraudulent information in my credit file within 4 days upon receipt of the correspondence. It's been over 30 days and the fraudulent account stills there, and that is preventing me from getting necessary financing.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX a fraudulent check of {$2900.00} was deposited on my checking account. As per the mail that i received from Citibank on XX/XX/XXXX. As a result ; the bank locked all my accounts that week. I called the bank that same XX/XX/XXXX to inquire about the situation ; i was told that a deposit was made in my account and a {$1000.00} was taken out from the ATM. I informed the bank that i wasn't me. Then i called the bank on XX/XX/XXXX and spoke with the Citibank fraud department. I wasn't directed to the claim department that day. On XX/XX/XXXX after several attempt to get feedback from the bank ; i was directed to the claim department. A claim for {$1000.00} was submitted on my behalf. Then on XX/XX/XXXX i got paid from work ; i called the bank in regards to, y funds ; there was no fund. I explained to the bank that during this process i got paid from work twice : XXXX payment from my employer was on XX/XX/XXXX for {$670.00} then on XX/XX/XXXX for {$920.00}. A total of {$1600.00} was confiscated by the bank and i haven't heard anything about those funds yet. No one from the bank was able to give me any explanation into that. Furthermore ; then i was informed that on XX/XX/XXXX that the investigation will be completed by the bank and my funds will go back to my account. When i called Citibank at XXXX on XX/XX/XXXX ; i was told that my claim was denied with no further explanation as to why. I can't access my account online. I inquire about me employment funds. I was told that there are no funds available in my checking account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After a complete and in-depth review of my credit report maintained by EQUIFAX, I found the following UNAUTHORIZED inquires. Please note that I never applied for credit with these companies : ..... 
XXXX XXXX on XX/XX/XXXX ... XXXX  on XX/XX/XXXX ... XXXX  on XX/XX/XXXX ... XXXX XXXX ON XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

XXXX DBA XXXX XXXX auto deducted my XX/XX/XXXX mortgage payment for XXXX on XX/XX/XXXX from my checking account 5 times in error. Then they reversed 4 of the payments. XXXX XXXX I was contacted by XXXX DBA XXXX XXXX by phone asking if I wanted to proceed with a loan modification. I never requested a loan modification. The representative then told me my loan was delinquent. I had not received any correspondence from XXXX DBA XXXX XXXX that my loan was delinquent. I have never missed a payment. I have always paid my mortgage by automatic deduction from my checking account. I immediately contacted XXXX  DBA XXXX XXXX and spoke with XXXX XXXX with Executive resolution. I learned that my loan was switched to paperless statements without my consent. I informed her that I never stopped the automatic deductions from my checking account. I provided her with copies of my bank statements for XXXX through XX/XX/XXXX. She opened an inquiry and discovered that XXXX DBA XXXX XXXX stopped the automatic deductions in error without my consent. It was also discovered that they had not applied the XXXX payment to my account even though they collected it. XXXX XXXX issued a letter XX/XX/XXXX stating that they submitted and update to the credit reporting agencies with instructions to adjust their records and remove the negative credit information. Not only has that NOT been corrected with XXXX, XXXX, Equifax and XXXX but XXXX DBA XXXX XXXX has stopped reporting my mortgage payments completely there is no payment information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has effected my credit in such a negative way that I am unable to obtain a mortgage on a new house. My husband and I had an excellent credit score prior to this outrageous error by XXXX DBA XXXX XXXX. I have personally contacted all 4 Credit Reporting Agencies and learned that XXXX has done nothing to remedy this situation.
Complaint sub-issue: Received bad information about your loan

Nelnet has unfairly reported to my credit bureau that my student loans are defaulted and have missed payments when i am supposed to be protected by Biden 's student loan pause. I have received many phone calls from them stating that first I did not have a federal student loan and then when i informed then that it was a federal loan they then stated that my loans were too old to be covered under the student loan pause. I did try to work the person who called me but they told me to do my own research because i was wrong and then hung on me. 
I believe that they have now turned my account over to a collection agency and have placed damaging remarks on my credit report.
Complaint sub-issue: Investigation took more than 30 days

Hey, I was taking advantage of, due to malpractice while several laws were being broken under the Fcra by company. This caused me financial injury, this is cause of defamation of character. I cant get a job, I cant get credit or pay daycare. This hurt my ability to obtain credit because of this issue. I want all negative items removed or deleted from my credit report because you are in direct violation of the FCRA or I demand these items be removed.
Complaint sub-issue: Banking errors

Cash app will only help me if I have the bank card number. I lost the bank card so they will not help. They will not answer the phone or emails.
Complaint sub-issue: Account status incorrect

Equifax has an account on my credit that have no idea about. There is no acct listed, just a balance of {$210.00}. When I called Equifax, no one helped me get this matter resolved. This a clear violation of the FTC. Please also let Equifax know they are not following the FDCPA. How can I dispute something, if there is nothing to dispute? Please stop this travesty of justice from happening to me. I am tired of going back and forth with Equifax. This account is not on my XXXX or XXXX report. Please investigate this matter immediately.
Complaint sub-issue: Account status incorrect

this company MOBILOANS LLC I have paid more than two years, I need this abuse and report to my person and my credit to be corrected immediately! He held MOBILOANS LLC directly responsible for not ERASING an account already paid from my credit and for continuing to use my ID to damage my credit!
Complaint sub-issue: Attempted to collect wrong amount

I am filing a dispute because I received a letter stating I was not eligible for discharge. I was not sure about the dates I attended XXXX XXXX XXXX XXXX because it had been so long ago. All I know is that it closed while I was attending.There was no supporting document proving my reason for denial of discharge.I am submitting a copy of my notice of ineligibility and my application.This is my 2nd dispute my first was in 2010 and all they sent me was copies of transcripts from school I had attended and a free tXXXX XXXX   program that I attended but nothing XXXX XXXX XXXX XXXX, where this loan was taken out for.
Complaint sub-issue: Account status incorrect

I have sent mutliple complaints to the credit reporting company about incorrect information and they keep acusing me of using a credit company when the information is being sent directly from me about the incorrect information on the credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently reviewed my credit report and found an unauthorized inquiry.To my knowledge, I have absolutely no business affiliation nor did I give them my consent to pull my credit. I contacted the credit bureaus on more than one occasion had no success. I also contacted Citi Bank to resolve the matter received no response.
Complaint sub-issue: Funds not handled or disbursed as instructed

There are so many problems here, I dont know where to start. I signed up for a MoneyLion account, enticed by the quick {$500.00} loan and XXXX app. I received the {$500.00} loan and made 1 payment on it. Since the payments are automatic, I assumed the loan was being paid because there were charges to MoneyLion on my account every month. I recently got notification from XXXX XXXX that a negative mark is on my credit report because the loan hasnt been paid in a while. I was never contacted in any fashion. No calls, no emails, no texts to tell me that my payments were not being applied. But money was still being taken out of my account. The money being taken out of my account was for MoneyLion Plus, of which a portion goes to the MoneyLion investment account. 

I currently have about {$440.00} in an investment account with MoneyLion and I owe about {$460.00} on my loan, which I can not make payments to, not because of financial inability, but because I can not reach customer service. I have tried on 4 different occasions : XXXX MST XX/XX/2019 I was on hold for 45 minutes and then hung up. XXXX MST XX/XX/XXXX I was on hold for XXXX hour and no one answered, so I hung up. XXXX XX/XX/XXXX, I was on hold for 1.25 hours and no one answered. XXXX MST XX/XX/XXXX I was on hold for 1.5 hours and no one answered. I have spent at LEAST 4.5 hours trying to get a hold of customer service. 

I would like to liquidate my investment account, apply it towards my loan, pay the remaining balance, and close my account and see MoneyLion pay for the horrible customer service. Actually, its not even horrible - its nonexistent. 

I would also like to know why the MoneyLion Plus payments were being taken from my account, and the loan payments were not being taken from my account. 

I now have increasingly bad marks on my credit report after spending 2+ years paying off my debts and getting my score back up and the worst part is that I have zero control over  this. 

Please do something. Thank you.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, XXXX  Account 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. My legal rights have been violated. They do not have a written contract with me. 


In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. My legal rights have been violated. They DO NOT have a written contract with me. 



In accordance with the Fair Credit Reporting Act, convergent 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. My legal rights have been violated. They do not have a written contract with me. 




In accordance with the Fair Credit Reporting Act, XXXX  Account 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. My legal rights have been violated. They do not have a written contract with me. 



In accordance with the Fair Credit Reporting Act, XXXX Account 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. My legal rights have been violated. I have NO written contract with this company
Complaint sub-issue: Funds not handled or disbursed as instructed

On Friday, XX/XX/XXXX XXXX XXXX dollars were withdrawn out of my savings ( {$6000.00} ) and checking ( {$1000.00} ) accounts on PNC bank. I am left with only about {$200.00} dollars left on my account and after taking to a representative for about 2h on XX/XX/XXXX ( could not get in touch with the bank during the night on the XXXX ), no solution was posed on a near future. I am left with {$200.00} for the foreseeable future, considering everyday bills, food, etc. This is the second time something like this happens with PNC this year- last time was in XXXX, when I got a call and had to close my old account and open a new one, with a new credit card and etc. Fortunately they were able to prevent any money being taken out in XXXX, but not this time. The bank is supposed to be a safe place to store your money, how is it possible that a random person goes into a PNC branch and cleans out someones account and the bank representative did not even know where it had happened? How is it possible that I am left with no solution, no money and no empathy, even when I took all of the steps asked in XXXX to prevent this from happening again?
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

Around XX/XX/XXXX XXXX reported during the period of student loan payment suspension to the credit bureau a balance increase of my loan and my loan was 90 DAYS past due. XXXX never sent any documentation or notified me in writing that my bill was past due. I never received anything in writing with a date that my payments would resume and I did not agree to start making payments during this time. This has caused my Credit Score to XXXX XXXX points and damaged my perfect payment history overall on my report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Attempted to collect wrong amount

I have been paying on a student loan from Great Lakes Higher Education for 28 years. I have records of all my payments which totals {$57000.00} The original loan was {$17000.00} on XXXX XXXX 1991. 
They say that I still owe {$38000.00}. 
They are going to take my tax refund and garnish my wages very soon if action is not taken. 
I have repeatedly written letters, applied for XXXX Forgiveness with no results. 
They have turned the loan over to a collection agency ; XXXX XXXX XXXX which I have also written and received the same reply, that I still owe the money in question. 
PLEASE HELP!!!
Complaint sub-issue: Account status incorrect

I am filing this complaint on.Act 15 USC 1681 Section 602, 604, 15 US Code 1681A, 1666B
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

My ex girlfriend stole my debit card and found my pin and made several unauthorized/fraudulent transactions on my account while I was hospitalized with XXXX. I was hospitalized from XX/XX/2021 - XX/XX/2021. The fraudulent transactions were made with my card from XX/XX/2021 - XX/XX/2021 totaling {$3700.00}. I have since faxed documents such as a written statement of what occurred, copy of my ID, a police report, and a hospital discharge form to US Bank Reliacard Cardholder Services. I have been denied and not given a specific reason from any of the several different customer service reps and fraud department reps I have spoken to. I have been given a different story or scenario and time frame several different times during the past 60 days with no results.
Complaint sub-issue: Information belongs to someone else

knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Complaint sub-issue: Other problem getting your report or credit score

Ive had fraud reported from other credit reporting companies based on information that was breach by Equifax. Ive called Equifax mutliple times from XX/XX/19-XX/XX/19 but every time I call I am told the systems are down call back in one hour. The customer service representatives cant even tell me the last time their systems worked. I was also not allowed to speak to a supervisor. How can I fix this issue with fraud when the credit report company is the problem???
Complaint sub-issue: Debt was paid

The account was closed by Citi bank on XX/XX/2021 I paid the balance in full two months later I was sent a bill with 2 XXXX late fees. I called to inquire and I was told just pay the XXXX and my account would but good well the next month I received another bill and they have been sending bills every month adding XXXX plus interest
Complaint sub-issue: Information is not mine

Equifax has not removed a fraudulent hard hit from XXXX dated : XXXX XXXX, 2015. I have requested this removal several times. XXXX XXXX stated that they have submitted the request multiple times as well. 

Equifax , please remove this hard inquiry now.
Complaint sub-issue: Investigation took more than 30 days

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.
Complaint sub-issue: Their investigation did not fix an error on your report

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), Pursuant to 15 USC 1681b ( a ) ( 2 ), Pursuant to 15 USC 1681c2 ( a ) ( 2 ), MY RIGHTS AS A FEDERAL PROTECTED CONSUMER HAVE BEEN VIOLATED. NO CONSENT IS IDENTITY THEFT.
Complaint sub-issue: Debt is not yours

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

DYCK O'NEAL, In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.
Complaint sub-issue: Information belongs to someone else

I have a Bankruptcy report on my credit report. I don't have any idea about these report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Complaint sub-issue: Information is missing that should be on the report

Complaint is concerning wrong address, Never own XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXX XXXX LAST REPORTED XX/XX/2018 According to Equifax
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax regardless of previous CFPB disputes continues to intentionally violate DODD- FRANK AND THE F.C.R.A. with lawless, illegal behavior as if there was no policing or law enforcement regarding their behavior. 
PROOF -- -- -- on my bureau XXXX XXXX  HAS A CORRECT DOFD OF XX/XX/2015 Equifax has permitted and conspired with the creditor in BY REAGING THE ACCOUNT by about 4 years costing me over 100 XXXX score points and ruining, fraudulently, my XXXX plus good credit rating to XXXX. 
Equifax has done this multiple times regardless of the law..Equifax was required to act regardless of the creditor 's input.It is obvious to anyone who understands credit that a 30 day late in XX/XX/2015 led to a charge off in XX/XX/2015per legal requirements.This " error '' is intentional not negligent on the part of Equifax.In this case, they can not EVADE RESPONSIBILITY by claiming to be a repository.BEING A REPOSITORY COMES WITH RESPONSIBILITIES to avoid unfair practices of DODD- FRANK and REAGING spelled out in the F.C.R.A. 
CFPB SHOULD LEVY AND PROSECUTE EQUIFAX FOR THIS PATTERN AND PRACTICE OF VIOLATING THEIR BIG 3 STEWARDSHIP.

EQUIFAX SHOULD DELETE THIS ACCOUNT WITHIN 24 HOURS OF RECEIPT ; However, I will likely sue for damage sustained thus far.IT 'S A BLACK LETTER LAW VIOLATION ON THE PART OF EQUIFAX
Complaint sub-issue: Can't get flexible payment options

My parents and I had no clue what we were doing when applying for college aid. I ended up with private student loans, which seems to have been the worst choice. I have a teaching degree and now work in public health. I have XXXX different due dates for loans originally through AES but now have been sold many times. Their communication is despicable. I have no realistic way of consolidating these loans and would like some assistance/relief.