Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are being handled

In XXXX, I enrolled at XXXX XXXX XXXX to obtain an education in XXXX XXXX XXXX XXXX for which I had received an XXXX  's in XXXX. In order to be able to afford to go to this school, I was told to apply for a school loan ( several loans, as it turns out ) on the advice of the school rep and have been paying back since graduating. 

However, it has come to my attention through my brother who lives in XXXX, within the last month, that the above-mentioned school has been closed down for being a predatory school. He proceeded to send me information regarding the school, see link XXXX XXXX XXXX I have been paying off my student loans since approx XXXX onwards, 13 years later, I am now a new mom with a XXXX old baby and I can not afford to pay the remainder of my loan. I've paid off at least XXXX of this debt. It sickens me to know that the school loan provider has not once mentioned any suggestion of a solution. 

Since I graduated from XXXX XXXX XXXX in XXXX, there was no job placement or advice offered. I have not worked in the fashion industry utilizing my education and skills that were taught and apparently I was on the honor 's list and dean 's list for being an outstanding student - what good is that to me? 

When I moved back to my home, I couldn't find a job with my, now-useless, degree and was so deflated for years with a degree that has no value and has cheated me of my self-worth. 

The remainder of the loan is now with Nelnet. First, it was with XXXX XXXX - they crashed & burned, then XXXX took over the loan and now this new company. It's very frustrating to find out that the loan has moved companies. Who knows what arrangements have been agreed upon from one company to another.
Complaint sub-issue: Problem with fees charged

I was essentially charged an extra payment and late fees with Carvana after they didn't automatically withdraw my vehicle payment out of my checking account. This has negatively impacted my life. I phoned Carvana giving them my new checking information and the rep assured me the payments were set up for automatic withdraw. Thank you.
Complaint sub-issue: Can't decrease my monthly payments

I am a XXXX year old who thought it would be great to get a college degree. I enrolled at XXXX University in XXXX, NC XX/XX/XXXX. I guess I was XXXX at the time and started a XXXX Degree in XXXX XXXX XXXX. To date, I do n't know why. When I realized how difficult and long the process would be I switched to an XXXX in XXXX program. Throughout the whole process ( which moves very quickly ) I was charged for electronic books and other tools that I did n't order. I was buying used books on my own. I never realized what the entire expense would be and when I began to receive notifications, I decided to resign. I came away just feeling ill-advised and victimized. I started with a {$10000.00}. balance and after paying on it for three years, I still owe {$9500.00}. The interest alone from XX/XX/XXXX to XX/XX/XXXX was over {$3300.00}. 
I am at a loss as to what to do about it because I want to stop working and retire, but I do n't want to ruin our credit. Is there hope for me? I just feel I should have received better counseling and advise from the College and I really resent having this responsibility. 
I know I must stand up for my decisions but I just feel I was bamboozled. 
Very sincerely,
Complaint sub-issue: Their investigation did not fix an error on your report

My account was closed XX/XX/XXXX with FedLoan, is supposed to be {$0.00}. Balance they are no longer my servicer. I have a new servicer XXXX. The transfer was completed in XX/XX/XXXX all loans are with XXXX. As of today FedLoan will not report my balance as {$0.00}, they are still reporting my balance on my XXXX and XXXX as open as if Im my account is still with their company. I have done several disputes and they are being updated as balance remains and Im no longer with them. I have spoken with the credit bureau and they state they only update what the company is putting out. FedLoan servicing is reporting to them that the balance is still open when clearly on my credit report I see when it was closed and transferred to another lender. One supervisor said the loans werent converted yet thats why Fedloans are still reporting a balance. False I have documentation from my new servicer showing all loans were transferred in XX/XX/XXXX to XXXX. I just need my account updated accurately Im no longer with FebLoan anymore
Complaint sub-issue: Deposits and withdrawals

I had a checking account for many years with Discover Bank. I recently wanted to use this account to pay off my XXXX XXXX taxes both XXXX and XXXX taxes. 

I had transferred funds into the checking account via XXXX on XX/XX/XXXX. I had deposited a check which Discover Bank stated that it was returned due to an issue with the checks signature. On XX/XX/XXXX Discover Bank closed my checking account due to a business decision and retained the original deposit. 

I had written two ( 2 ) checks from my checking account with Discover Bank : one ( 1 ) check for my federal taxes and one ( 1 ) for the state taxes. 

I took an international trip from XX/XX/XXXX thru XX/XX/XXXX. I had accessed the account a few time to see if the deposited check had cleared. 

When I returned back to the XXXX. I called Discover Bank who informed me that Discover Bank had closed my account as of XX/XX/XXXX due to a business decision with no further information. Discover Bank has also informed me that the deposit funds will not be made available to me until after XXXX XXXX in accordance with their policy. 

Furthermore. I had contacted XXXX to establish another default checking account with another bank. But XXXX informed me that I was prohibited from using XXXX due to fraudulent activity as reported by Discover Bank. XXXX did not provide any further information.
Complaint sub-issue: Information belongs to someone else

This is a complaint against Equifax XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft the personnel department XXXX has blocked access to my credit report, I have more than a year trying to fix this situation and they do not do anything they arrange nothing, when you call them on the phone they say they are not available and that they call you back and I am waiting for you until today. 
It is a platform of obsolete workers, they stayed in the past in terms of solutions and above that they do not fix anything, they violate the federal law of credit. When a citizen has negative accounts and is a victim of identity theft and has a report, these accounts must be eliminated from the credit bureau in the next 5 days. On the other hand I can not make disputes via online because they have blocked access. what kind of credit bureau is this that does not work. I 'm already going for more than 2 years with this problem. Dispute staff and fraud department staff are poorly educated and do not help you find a solution.
Complaint sub-issue: Problem making or receiving payments

Citi bank is a most of 4 big banks in USA, But I didnt think that they have such a bad chat, long phone wait time and the worst part is online banking - access limit to everything for checking account customers. To dispute the transaction, I need to print a paper form and fill out a pen, then scan and send them. This is a very old form method. My problem is that after I sent them a form to dispute the amount of {$400.00}, I did not notice anything. In the chat they say call dispute team, but there the waiting time is long. 
Is it impossible to simply operate your online banking for access for all needs?
Complaint sub-issue: Reporting company used your report improperly

my is XXXX XXXX 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 Account number XXXX Account name XXXX XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Problem making or receiving payments

I filed two complaints with the PNC Bank ( First dispute XX/XX/XXXX, XXXX XXXX XXXX ) and the second dispute ( XX/XX/2021 ). I had 25transactions with XXXX between XX/XX/2021 and XX/XX/2021 ( Ten cancellations and Fifteen went through ) which matched my account with XXXX. On the other hand, within that time-frame, PNC Bank made 43 transactions in my Checking account ( Ten cancellations and Thirty-three debited to my account ). I filed a dispute, but XXXX of the Executive/ Client relations was adamant and reluctant to reach out to XXXX and sort out thing. Rather, she wanted me to identify the disputed transactions which was totally impossible based on the posted dates and reference numbers. The second dispute was on XXXX for {$54.00}, after a transactions was not processed by XXXX. Then I filed a complaint with the XXXX  and FTC. The FTC told me that they addressed issues with corporations, not individuals. Then I received a call from XXXX XXXX PNC Bank Executive/ Client Relations, yet faced the same obstacle. Went to their local branches here in XXXX XXXX, MI, the same stumbling blocks. Finally, I reached out to the Michigan DA 's office, which promised to forward my case to the Comptroller of the Currency office i XXXX, TX. Haven't heard anything from them yet.
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.
Complaint sub-issue: Debt was result of identity theft

ATTENTION DISPUTE DEPARTMENT JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Appli

cability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1981 ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX, FL XXXX
Complaint sub-issue: Trouble using the card to spend money in a store or online

I purchased US Bank prepaid XXXX # XXXX and XXXX with initial value of {$200.00} in XXXX XXXX. I opened packages with these cards in XX/XX/XXXX and discovered that money has already been stolen from these cards in XX/XX/XXXXvia purchases on XXXX and XXXX XXXX XXXX! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I contacted one of merchants ( XXXX ), they found these transactions and said that money have been transferred to a fraudulent XXXX account. They suspended that account, but according to XXXX they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.
Complaint sub-issue: Inadequate help over the phone

Upon reviewing my Equifax credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX XXXX, date XXXX, account number XXXX ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XXXX, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.
Complaint sub-issue: Public record information inaccurate

Since XX/XX/XXXX Equifax has been incorrectly posting, reporting, and distributing, my name spelled wrong amongst other continuous problems with Equifax staying in compliance with its legal obligations towards doing these duties under federal and international law as a consumer in the usa as well as worldwide. 
I have documentations from a few other times when I've given Equifax my correct personal information to be corrected within its agency and still Equifax continues to violate federal law to the complete deprivation of me being able to up-scaling or improve all my credit base information which Equifax uses to propagate, advertise and determine my credit worthiness or paint a high trustworthy credit picture of my consumer information to all worldwide creditors : Visa, Master Card, US Banks, etc. 
The other dates of proper information given to Eqfx but still failed correction are : XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 
All of these dates My first name is being spelled XXXX XXXX XXXX instead of XXXX XXXX XXXX. Equifax also fails to allow me to use my XXXX XXXX XXXX XXXX also.
Complaint sub-issue: Funds not handled or disbursed as instructed

XX/XX/20 I spoke with XXXX at Ameris Bank Call Center and explained I had mobile deposited the check into my XXXX  account on XX/XX/20 and XXXX did a account adjustment and debited {$500.00} from my account on XX/XX/20 because the check was also cashed at XXXX. I provided her the check number to see if she could provide more info. She advised she will email the department that handles that and reach out to be in a few days. 
XX/XX/20 I called XXXX back and she advised me the check was mobile deposited into a XXXX account on XXXX and no investigation would be open. I was advised to call XXXX XXXX by another Ameris team member to advise them of the situation. I did and spoke to XXXX and she reached out to her accounting team. 
XX/XX/20 I called XXXX XXXX  and was advised they show the check was cashed on XX/XX/20. I called XXXX at Ameris and advised what XXXX XXXX  told me. She stated she will send another email and note what XXXX XXXX  advised and to reach out in a few days. 
XX/XX/20 I called XXXX and she advised they will not be opening a investigation. She advised I call the Ameris Branch at XXXX in XXXX, GA. 
XX/XX/20 I called the branch and spoke with XXXX who advised me to call XXXX XXXX  back to get them to open up the investigation with XXXX since it was their check and account that was debited twice and they need to recoup from XXXX and issue me a new check. I called XXXX XXXX  and XXXX reached out to their accounting team again and she would follow up with me. She called me back and advised her accounting department stated that Ameris should open up the investigation since they cashed the check twice. That error falls on them and this should be handled by Ameris and XXXX to get the funds back to me since I did not deposit the check twice. I called Ameris back and spoke with XXXX again and explained what XXXX XXXX  advised. He stated there was nothing the bank could do and no investigation will be opened.
Complaint sub-issue: Information belongs to someone else

I have tried to get rid of this account before it is not my account and i will like like it removed. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$370.00} XXXX {$370.00} XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4700.00}
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/LENDINGCLUB Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Didn't receive notice of right to dispute

This company flagged my account today for a debt I was never contacted for nor made aware of. I was never giving the opportunity to dispute or verify the debt. How did this debt occur in XX/XX/2020 when Im currently with the company XXXX that the debt is for? This debt looks fraudulent and I should have been contacted before they decided to damage my credit reports without any attempt to communicate first.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent a dispute letter via mail to the 3 credit bureaus attempting to dispute an incorrect account appearing on my credit report. I provided my home address, copy of personal current I.D., and proof of address along with my letter. I waited a month or so, XXXX and Equifax sent a response letter but XXXX  never got back to me. At that point, I sent a letter to Equifax warning them they have 30 days to respond and again, requesting a correction of my credit report otherwise I'd file a complaint against them to the CFPB. Equifax has yet to respond to my second letter. 
Additionally, I politely requested valid proof of the debt shown on my report ( such as a signed contract or agreement ) yet XXXX  and Equifax failed to do so.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX 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: Credit inquiries on your report that you don't recognize

Here is the letter I sent on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Iowa XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


12. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX