Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Fee problem

I recently deposited a check with U.S. Bank for {$4000.00}. They gave me access to {$220.00} of this and kept the rest on hold. Okay, no problem so far. So I used XXXX to send the {$220.00} that they allowed me to access. After doing so, they then put a hold on the {$220.00} they allowed me access to so that I now have a negative balance and they charged me a {$36.00} overdraft fee. You cant send money with XXXX unless the funds are there. So they waited for me to send the money and then put it on hold just so they can charge ridiculous overdraft fees.
Complaint sub-issue: Public record information inaccurate

To whom it may concern, On a recent review of my credit report, I discovered XXXX  XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Complaint sub-issue: Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

Gas was purchased from Exxon station at XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX using a MasterCard at the pump. On XX/XX/XXXX two charges were posted on the credit card for {$100.00} each. Based on credit card charge description the charges came from Exxon station at XXXX XXXX XXXX XXXX XXXX, TX XXXX. Unfortunately did not get a receipt at the pump but charge should have been around {$25.00} for fill up of a XXXX XXXX.
Complaint sub-issue: Problem with product or service terms changing

In regards to the Equifax breach, I have been trying to enroll in the protection plan. However, they are making it unduly cumbersome and is beginning to feel like an exercise in the quixotic. 

I signed up a week ago. The website told me to go to another website in 5 days to complete the process. There were no originating or follow up emails - instead I copied the link and added a reminder in my calendar. I went back to the linked website on the day that it would be ready and effectively had to repeat what I did the first time. This then took me to a second step wherein I had to submit all of my private information. After completing this step, the website stated that I would receive an email to confirm my sign up. An email that I have still not received. 

This is a ridiculous process and one which I highly doubt is nearly as cumbersome if I were to just pay for the service at a different time. ( On a side note it is also ridiculous that this protection is only being offered for one year where I believe 10 years should be required. On a second side note I truly hope that Equifax and all it 's ( previous ) shareholders are held to account ). 

Thank you.
Complaint sub-issue: Card opened as result of identity theft or fraud

I am writing this complaint as I have exhausted all other options. For several years, my family and I have been victims of credit card fraud, bank fraud, and have all had our credit scores immensely fall. 

My mother, a government worker ( USPS ) for over 30 years has a credit score of XXXX after 2 fraudulent accounts were opened in her name by XXXX XXXX XXXX and Discover Bank.For 20+ years my mothers credit score and credit history was perfect, 750+ credit and fico scores for over 20 years and in a matter of two years her credit devastated. 

I, a XXXX year old college graduate have been unable to even open a credit card. There is one account that is currently on my credit report and several Hard Inquiries. I have filed FTC reports but that did not help. I have filed fraud for these inquiries and account and yet no proof is provided that they are my accounts. The credit card account in question is a discover card with a balance of {$1200.00}. Please help me get my credit back on track.
Complaint sub-issue: Information belongs to someone else

XXXX Account # XXXX I have asked the credit grantor for verification that this is my account and have been unable to receive it. I did not apply for this account. I need it removed from my credit report.
Complaint sub-issue: Trouble using the card to spend money in a store or online

XXXX/XXXX/XXXX I have a prepaid XXXX gift card, marketed by US Bank, with a {$200.00} credit balance. Today I tried to use the card to purchase an airline ticket for {$180.00}. The transaction was denied. I contacted Cardholder Services at XXXX XXXX XXXX XXXX and spoke to a supervisor, XXXX XXXX who told me that airline ticket purchases have an automatic withholding function that requires a 20 % " overage '' for gratuity. I told her that I was purchasing a ticket for exactly {$180.00} and that there would be no gratuity on the account and asked if she would be able to approve the transaction. She told me that it is bank policy to withhold the 20 % overage for any services ( haircuts, restaurants, airlines and cruises. ), and said that she would not be able to approve the transaction. I then inquired what could be done to get the purchase completed, and she suggested that I call the airline and ask if they would be willing to reduce the price of the ticket by 20 % -- laughable. I asked her to provide me with the documentation of the US Bank airline ticket gratuity policy, because the pamphlet that came with the gift card makes no mention of it. She said that she was unable to do so, but that I could write to Cardholder Services at XXXX XXXX XXXX XXXX, FL XXXX and they would be able to provide me with the information. Since the card is administered by US Bank, I asked if I could take the card into a US Bank branch and simply get cash for the balance and was told that I can not do that either. The problems are : 1 ) I have {$200.00} on a card that I would like to use {$180.00} to purchase an airline ticket. 2 ) I have until XXXX XX/XX/XXXX to get the purchase finalized. 3 ) Even if they are able to furnish me with the policy, I am still without the ability to have access to my money, and US Bank has refused to allow the purchase to be approved. 4 ) Never in my life have I paid gratuity on the purchase of an airline ticket, nor do I know of anyone who has paid gratuity to purchase an airline ticket. In fact, I looked up " Can I pay gratuity for an airline ticket? '' on XXXX and was not able to find a single item about it. Lots of info about cruises, motor transportation, and tour guides, but no gratuity on airline tickets. Interesting.
Complaint sub-issue: Debt was paid

We remitted payment to a vendor in their name at the remittance address they requested. The check was cashed ( less than {$1500.00} ). They claim they never received it. 

The Company XXXX repeatedly continues to contact our offices even though we continually informed them that payment was made and to stop calling our offices and that we consider the continued phone calls to be harassment
Complaint sub-issue: Debt is not mine

I have notified IC Systems that this debt is not mine on several occasions. I have asked them to remove this account from my credit file since this account was open as a result of identity theft. To date, IC Systems have not removed this account from my credit file. I need your assistance in getting this matter resolved.
Complaint sub-issue: Information belongs to someone else

There are two accounts on my credit report I have not opened these or used these accounts they are not mine this si identity theft!!!!! 

XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9100.00} OpenedXX/XX/XXXX
Complaint sub-issue: Old information reappears or never goes away

The Bankruptcy on my credit is old and should have been removed by the credit bureaus according to the FCRA. I have contacted them to remove it and they have refused
Complaint sub-issue: Banking errors

i rented a car in XX/XX/2022 and i had to pay a {$500.00} deposit and i used my coinbase card, when i returned the rental car the {$500.00} deposit was to be refunded but I do not see the {$500.00} balance was credited back to my account, it seems as though the {$500.00} just disappeared. I called coinbase support and was told to create a ticket i created a ticket and the ticket was ignored even after sending a follow up i did not receive any response back. completely unacceptable
Complaint sub-issue: Trouble with how payments are being handled

I was double billed with Fed Loan Servicing and when I called to request a refund of the money they told me it would take 45 days. The Fed Loan Serving representative with employee ID number XXXX was also very rude and told me it was my fault. I ended up having to go to my bank and tell them it was an unauthorized refund to get my money back. Fed Loan Servicing is absolutely the worst company.
Complaint sub-issue: Account status incorrect

My credit reports show unverifiable and inaccurate accounts.
Complaint sub-issue: Was not notified of investigation status or results

I sent out disputes to the credit bureaus multiple times and have yet to receive any correspondence from them. Out of all 3 buraus NONE of them have yet to get back to me or provide any results. I know that with Covid there is a delay but they can not flat out ignore my disputes for the items on my credit I need removed! They still have to legally provide results and respond to me regardless of this pandemic! They are reporting serious errors on my credit file and they need to provide me results.
Complaint sub-issue: Problem with fees

I made a purchase last XXXX at Macys in person. The clerk was pretty persistent in having me use my Macys account. I told clerk I had two accounts. A macys American Express and a Macys Citibank. I would have to use the Macys American Express as I did not have access to the other card and had no payment set up on it. Clerk Agreed. Told me I had the American Express. I signed the receipt. Several months later I received a bill that had been forwarded from my Florida address ( I am in Texas ) for not only the bill but a {$40.00} late fee from the standard Macys credit card and not the American Express as requested. I called explained the situation and cancelled my card. The next month I again get a bill, late. For {$40.00} more dollars in late fees. I paid again and cancelled the card. In XXXX I again received another bill for {$40.00} which I did not pay and the customer service re-processed my credit card cancellation and promised to remove the {$40.00} from my bill. I just received another bill from Macys for {$40.00}.
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
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XXXX XXXX Account Number {$8500.00} XX/XX/2012 Date Opened Please remove off all 3 credit reports according to Law after 7 years account should be removed.
Complaint sub-issue: Public record

Good afternoon : Equifax erroneously has a " bankruptcy '' reported on my credit report. At no time have I EVER declared bankruptcy. I called the XXXX Bankruptcy XXXX of the XXXX XXXX and they affirmed that they have absolutely no record of a bankruptcy under my name or social security number. Please help me get this off of my record as I am unable to obtain the insurances necessary to purchase a home until this is remedied. Please advise how I should best proceed as the bureaus refuse to remove this mistake from my records despite my requests to do so. Should the bureaus not have to verify such an egregious error with the XXXX Bankruptcy Courts before they continue to disparage my reputation and credit score? 
Thank you, XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXX Original Creditor : XXXX CXXXX XXXX XXXX XXXX ) XXXX, 15 U.S.SC 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: Company closed your account

My account was closed without notifying me and when I tried calling no one could give me details as to why. Ive asked multiple times to speak with a supervisor and I was denied that by every representative I spoke to on the phone. Before I noticed my account was closed, they made be order a new debit card and I did. Two days later I tried to use the temporary debit card they had gave me on the app and it declined for unusual activity. Thats when I contacted customer service but I was told my account was closed and they couldnt provide me details.
Complaint sub-issue: Account status

I disputed the open collections that are still showing up on my credit report since my bankruptcy was discharged XXXX XXXX 2014. The Equifax is not reporting the collections correctly and after talking with the collection agencies themselves i was told they are reporting them as closed collections discharged in bankruptcy. This is causing XXXX collection accounts to show up on my credit report as open collections dramatically injuring my ability to rebuild my credit. I have had no collections since the bankruptcy and have been disputing with this agency since the beginning of this year XXXX / XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent the bureaus a request to send me verified results that the debt was indeed mine. They have not sent me verified proof of the debt. Here is the items : XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked and that is unacceptable. I work hard to maintain my good credit. Equifax should fix this and offer some sort of compensation or credit monitoring. Equifax should be the most secure company since they have so much information on consumers. How are they going to fix this? I need to know because I am one of the ones who has had their identity stolen.
Complaint sub-issue: Information belongs to someone else

I am working in accordance to my consumer protection and am seeking that certain fraudulent information be removed from my credit report on all 3 agencies XXXX, XXXX, Equifax. 
The following accounts are deemed as fraudulent and companies need to be investigated vigorously because I am not the only victim. The companies are listed below in full or by their name / organization shown on Credit Report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem during payment process

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

Reporting on XXXX XXXX XXXX XXXX charge accounts were changed from a status of charge off, ( which they are ), to Placed for collection, Bad Debt, Skip. The last activity on these accounts was in XX/XX/XXXX and XX/XX/2009, and should be seasoned off my Equifax report. This new reporting has re-aged the account, and caused my Equifax score to plummet by XXXX points. I am trying to secure a new mortgage and this new report has caused me to have great difficulty in obtaining the mortgage. This line needs to be removed since it has met the 6 years 6 months seasoning period. XXXX, and XXXX have removed the accounts from reporting.
Complaint sub-issue: Information belongs to someone else

I noticed a few accounts on my report that are not mine XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Investigation took too long

I originally submitted dispute XXXX in reference to taking more than 30 days to respond to a dispute that I sent to Equifax. In my original dispute I submitted documentation to support my claim showing that Equifax did indeed exceed the 30 day window. Per my rights as a consumer, I must receive some type of response within 30 days. I did not receive a free credit report so therefore they should have been able to return the report within 30 days. They did not mail to a physical address, they submitted it to my email which should have been quite simple and quick. If they were finished on time, it should have been submitted back to my email with no problems. I am disputing the reason that they need 60 days to determine that they did not complete within 30 days and am possibly looking at pursuing legal action against Equifax because of their unprofessional conduct.
Complaint sub-issue: Account information incorrect

I sent a dispute letter to ( XXXX ) XXXX XXXX   XXXX, or XXXX XXXX XXXX on XX/XX/2020 via USPS signature confirmation, tracking number ( XXXX ), for validation of their reported debt. Thirty-five days have elapsed and I have received no response from the company and they have yet to remove the collection account from my credit report.
Complaint sub-issue: Can't close your account

On XX/XX/21 I contacted Cardmember Services to close my secured credit card account. I was told I would have a check. in 7-10 days. On XX/XX/21 I received a letter from them stating they will not close the account until XX/XX/21. I contacted them today and said it is policy to wait 30-60 days until they process the request. So now I have an account I can not use and {$310.00} tied up for these 30-60 days. It seems unjust that they take money immediately and assess fees and fines immediately but sit on refunds and return of funds for this length of time. 

The card was issued through XXXX XXXX  but they disavow any association with the card who is handled by Cardmember Service out of XXXX, ND. They direct all correspondence to Elan Credit Department, XXXXXXXX XXXX XXXXXXXX, XXXX, ND - XXXX with a phone number XXXX.
Complaint sub-issue: Account status incorrect

please find attached the letter from the creditor XXXX XXXX, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to equifax and XXXX. 
equifax does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.
Complaint sub-issue: Account status incorrect

I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from XXXX XXXX I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to XXXX to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

XXXX LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out XXXX changed the status of my account to no " more than 30 days late '' after I had to file a dispute with Equifax, XXXX and XXXX  to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Reporting company used your report improperly

XXXX, XXXX, EQUIFAX ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute for inaccurate history on XXXX XXXX account. XXXX XXXX did not provide proof of the " late payment history '' however the information stayed on my credit report.