Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

On XX/XX/2020 called the credit bureau to dispute inacccurate information. As of this day, the incorrect information is still on my credit report.
Complaint sub-issue: Non-sufficient funds and associated fees

XX/XX/XXXX US Bank account had XXXX cents and no overdraft. US Bank paid a XXXX bill that was {$95.00} dollars reoccurring debt card payment hand't been cancelled. When I spoke to the bank sometime soon after they said " US Bank decided to pay the bill ''. A new account was opened. US Bank sent the overdrawn account to XXXX XXXX. Fast forward to XX/XX/XXXX, I decided to leave US Bank and tried to open an account with a credit union only to be told that I could not do so due to check systems. US Bank is still my bank and they seem to be clueless on rectifying the matter.
Complaint sub-issue: Credit denial

ALLY FINANCIAL You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Complaint sub-issue: Don't agree with fees charged

This is my XXXX submission regarding the XXXX. I paid {$1000.00} to try to reduce my loan ; however, they charged {$170.00} in interest, and paid {$820.00} towards the principal. Basically, I am being penalized for paying early. I had satisfied my monthly payment right before making this payment and specifically directed them to pay down my principal, not interest. If they charge me interest every time I make an extra payment, that is neither legal nor fair. Please instruct them to accept payment on principal and to stop penalizing early payments.
Complaint sub-issue: Account status incorrect

XXXX. Spoke with an agent on XX/XX/2020 stated that they would remove XX/XX/2020 late payment and make account current due to mistake on the banks fault XXXX XXXX XXXX - Account was reporting late XX/XX/2020. My account went into deferment due to covid 19
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am formally filing a complaint against Conn Credit Corp/Conn Appliances Inc for deceptive credit reporting practices as well as violating FCRA and Fair Debt Collections Practices Act. Furthermore, they are also in violation of North Carolina General Statute Code 58-70-01 which prohibits a debt collector or credit bureau from engaging in debt collection practices without obtaining a surety bond, and filing said bond with the North Carolina Secretary of State office. 

On XX/XX/2022 I sent a dispute letter to Conn Credit Corp, where I disputed a derogatory tradeline being reported under my social security number for a {$2600.00} charge-off. 

On XX/XX/2022 the dispute letter was returned as undeliverable. Not only are they reporting a fraudulent address, but they are also showing the account 's worst delinquency is a bad debt/collection account on my XXXX, this is in blatant violation of the North Carolina Debt Collection act specifically NC General Statute Code 58-70-01. 

They are also reporting separate company names, and conflicting addresses under my social security number. 

To add insult to injury, they are showing the account as charge-off with no closed date as well as reporting a balance of {$2600.00}. 

They are in violation of numerous FCRA and FDCPA, including North Carolina local state debt collection laws.
Complaint sub-issue: Banking errors

On XX/XX/2020, I opened an account online with Citibank using the special promotion link on their website. The promotion stated that if I opened a new checking account with at least {$15000.00} and kept that minimum balance for 60 days, the account will be credited with a {$400.00} bonus within 90 days after the initial 60 day period. There was an additional {$100.00} bonus if I made a direct deposit into that account. 

After opening the account online, I promptly transferred the {$15000.00} to Citibank. I have never made any withdrawals from that account since then and did not make any direct deposit. However, it has been almost XXXX months, Citibank has not kept their end of the bargain and deposited the {$400.00} bonus into my account. 

After initially confirming through an online chat with a Citibank representative named XXXX on XXXX XXXX XX/XX/XXXX that my account would get the bonus by XX/XX/XXXX, Citibank is now reneging and claiming that my account was never opened using any promotional offer. They are asking me to provide proof which is sort of impossible since the account was opened online using their special link for the promotional offer which still exists today. 

I have spent the last month going back and forth with Citibank and they continue to give me the run around promising to research the issue and get back to me but the results are the same. 

Can you please help? Can you please help? If you need further documentation, please let me know. 

Thank you
Complaint sub-issue: Information belongs to someone else

I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - BALANCE {$360.00} XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - BALANCE {$360.00} ( THIS IS A DUPLICATE ACCOUNT )
Complaint sub-issue: Information belongs to someone else

Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to XXXX XXXX XXXX on XX/XX/XXXX. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. XXXX XXXX XXXX claims I owe a debt from an apartment complex that I actually left on my given time. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by XXXX XXXX XXXX. Therefore, by the FDCPA that XXXX XXXX XXXX was not able to prove that I signed a renewal lease. So, XXXX XXXX XXXX was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and XXXX XXXX XXXX agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. XXXX XXXX XXXX spoke with XXXX XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX. XXXX XXXX XXXX is at extension XXXX and XXXX XXXX extension is XXXX. Both XXXX XXXX and XXXX XXXX claim that a renewal lease was signed and they needed time to get the information after I sent the creditor 's validation letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. Neither one has made an attempt to call not send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, XXXX XXXX XXXX is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of XXXX XXXX XXXX from my credit report. I am going to provide all my evidence to my case. 
Also, XXXX XXXX XXXX spoke with XXXX XXXX the Manager and he said on a recording that they mailed out the responding letter to my creditors validation letter on XX/XX/XXXX. In which he was not truthful either this is just more evidence this account should be removed from my credit report. I am going to provide factual information even on the letter that was provided by XXXX XXXX XXXX XXXX XXXX they have the wrong person on the contract it has XXXX XXXX which is the tenant that moved in right after I left the complex.
Complaint sub-issue: Account information incorrect

I mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from your firm stating the ID I submitted was insufficient to verify my address and identity. 

The identification I submitted is sufficient according to your guidelines and I demand that you examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 

The disputed items must be investigated. 

I respectfully request you to process the investigation as prescribed by my rights under the FCRA. Under federal law, you have XXXX  days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within XXXX days of the completion of your reinvestigation.
Complaint sub-issue: Account status incorrect

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close : XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off : XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} Collection : ( Original Creditor : XXXX XXXX ) XXXX {$0.00}
Complaint sub-issue: Trouble with how payments are being handled

This my second complaint in addition to my initial complaint which was closed. 

I joined XXXX loan service forgiveness program and account was switched by XXXX to FedLoan my XXXX payment of {$500.00} was due to XXXX on XX/XX/XXXX. It was paid in full and on time. XXXX then switched over my accounts to XXXX two days later on XX/XX/XXXX as the servicer. Once i received the login info for fed-loan and logged on to pay my XXXX installment to the new provider, I then discovered that my accounts were delinquent and 30 days past due. I then contacted XXXX XX/XX/XXXX to find that my payment was not transferred over. I was told that will take up to 60 days to appear in my account. I have submitted various proof including bank documents to XXXX XXXX XXXX and have received ZERO response. It is now XX/XX/XXXX which is well over 60 days past the stated date. XXXX has yet to credit my account when i have provided AMPLE proof including my bank records that this payment was in fact made and no payments have been missed. This has caused my loans to further appear in delinquency as well as negatively affect my outstanding credit score. In order to avoid this I would be forced to make another payment immediately which would cause me financial hardship. I have called almost weekly since the beginning of XXXX to be told no one can help me, and then XX/XX/XXXX they said the billing department finally received my proof which I sent XX/XX/XXXX and it was sufficient. It is now over 10 business days since i have recieved this information and over 16 business days since i sent the proof after months and months of this ... .. and yet still my account is showing an owed balance of {$500.00}. I would like XXXX to apply my money to my account. It is strange to me that my payment process in 3 days however getting a credit has taken months? I feel that XXXX is trying to steal my money and as I said this is negatively affecting my credit score and my ability to purchase other items due to this. I do not think I should have to be punished as someone who pays their bills on time and works very hard to stay afloat.
Complaint sub-issue: Other problem getting your report or credit score

HARD INQUIRIES i applied to purchase a new vehicle ( and vehicle insurance ) and the dealership submitted my information to several companies that placed a hard inquiry on my credit report. I called the credit bureaus to see what can be done, they advised me to contact each company to have them sent me a inquiry deletion letter but the companies do not know of such a letter. I called the credit bureaus back for assistance and was advised of my options which are to obtain a letter of deletion, file a police report or contact CFPB. I did not want to file a police report.
Complaint sub-issue: Trouble with how payments are handled

Have been attempting to transition my student loans which are under the Federal Loan Forgiveness Program transitioned to a different Income Based Repayment Plan since XX/XX/XXXX. Since then they have been charging greater than the discretionary 10 % of income set by the federal government, persistently not processing my application, and continually showing my account past due. Thus in order to protect my credit I persistently call and continue to make payments. I 've been keeping records of phone calls over the past couple of months with employee names and ID # 's. At this point seems they are not willing to transition my loans to the desired Income Based Repayment Plan, which I thought was against the law as these are federal loans? This has now placed XXXX, XXXX, and negatively affecting not only my credit but my ability to provide for my family as we transition from one state to the next for my upcoming XXXX in XXXX. I desire to pay my loans! I desire to pay them off early! Though in the meantime I need a loan provider who is not going to charge me more than the federally allotted discretionary income of 10 % and be willing to transition my loans into a qualified repayment plan as I desire. 

This complaint, written on XX/XX/XXXX at XXXX Eastern time zone, is being filed with todays documented conversation with Fedloan Servicing.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I made a complaint about LexisNexis reporting inaccurate fraudulent and deceptive information XXXX is the original complaint number. LexisNexis came back to the cfpb stating that the information that they were giving out could NOT be verified so by law they have to delete this information. But come to find out LexisNexis was very deceptive they in fact did Not delete this information and they are in fact still reporting this information to all three credit bureaus. I asked LexisNexis to delete this information from ALL of their systems. Also to send this information to all three credit bureaus who they reported/sold this information to stating this information was inaccurate.LexisNexis failed to do anything that they said that they done and this is very deceptive. I have spoke to LexisNexis several times and they are stating to me that they do not have to delete this information out of their unverified side of their company and that they do not have to follow the cfpb rules with an unverified information. But if the information is unverifiable How are they still verifying this information with anyone if they can not verify it. LexisNexis is falsifying information using deceptive practices also knowingly and willingly disregarding the law. I have upload a paper from them stating that they have deleted this information I will also show a new credit report where it is still being verified by Lexis Nexis. LexisNexis time frame to do there so-called investigative report has expired I'm demanding that they delete this information within XXXX hours or else I will seek remedy I also attached a copy of my passport because LexisNexis always try to say that I did not send proper identification to verify who I am
Complaint sub-issue: Account status incorrect

Company refuses to work with me with account spoke to " XXXX '' a rep from their company via chat and unfortunately was told there's " Nothing they could do '' to help me fix this issue, I changed banks and completely forgot about this account that was auto-drafting from my account ; I tried fixing it w no resolution. 

Pleases remove negative marks / this account from my report immediately as it is not accurate or notify me how to fix the account + bring it current.
Complaint sub-issue: Other problem getting your report or credit score

Equifax has failed to send me my credit report after I had an identity theft issue. I have requested a copy of my report multiple times over the last 6 months and Equifax has never responded.
Complaint sub-issue: Information belongs to someone else

There are multiple inaccuracies showing on my credit report. I have tried to fix this problem with the credit bureaus however after a couple of days they close my dispute as if they looked at it with really verifying the information. 

I am including the below inaccuracies as I seen them showing on my credit report Accounts Bankruptcy- I have never filed Bankruptcy and the clerk of the XXXX XXXX court sent me a letter saying they never confirmed to any credit bureaus that the bankruptcy belonged to me XXXX account number n/a balance XXXX XXXX XXXX account number n/a balance XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX
Complaint sub-issue: Received bad information about your loan

My student loans have been serviced by a XXXX XXXX  of loan services, but all have been under PHEAA. I graduated school in XXXX and was in forbearance for most of the recession. When the Income Driven Repayment options were made available in XXXX, I contacted my loan servicer under PHEAA to transition into it. They refused to assist, citing their special status as an agency of the State of Pennsylvania. We went back and forth on this for several years, where they would try to collect and I would refer them back to the earlier conversation about the IDR and that no payments could be made unless they recalculate the then capitalizing interest. PHEAA never handled the paperwork correctly and I refused to comply, because I understood an offhanded assent on my part would result in being formally placed under an " agreement '' that would allow them to capitalize the erroneously charged interest. Their communication stopped in XXXX. 

Now, on XXXX XX/XX/XXXX, PHEAA has begun the default process for the account without making any effort to contact me in the past 8 years. None. They now have capitalized all the interest and the claimed amount has shot up to {$130000.00}!!! After all this time, now, with all the massive economic challenges Americans are facing, that's when this company is attempting to maximize its profits through deceptive accounting that is founded on more than a decade of fraudulent misrepresentation.
Complaint sub-issue: Information belongs to someone else

I checked my credit report on XX/XX/2022. My XXXX report showed a hard inquiry from Citibank NA XXXX on XX/XX/2022. I did not apply for this line of credit. I filed a dispute with XXXX on XX/XX/2022 and they completed that dispute on XX/XX/2022, stating that the report was accurate. 
On XX/XX/2022 I called XXXX and was told that Citibank should be able to tell me how this credit inquiry was made without my consent. After 14 phone calls to every Citibank number I was given or being transferred to, I was told that they showed no accounts in my name. 
But no-one could explain how a hard credit inquiry was authorized without my permission. I don't know if this is fraudulent activity or sketchy business behavior?
Complaint sub-issue: Problem making or receiving payments

I attempted to sell an item om XXXX XXXX and the buyer requested to use XXXX. Since ive used it in the past i agreed. 
the buyer was supposed to deposit XXXX via XXXX. I received a notice, from what now appears to be a false XXXX email stating the funds were on hold because i didnt have a " business '' account and the claimed they had to charge the buyer another XXXX the y then said that I had to reimburse the buyer and then thay would reimburse my account XXXX. Like a sucker I did. after an hour i recieved another notice that the XXXX customer service inadvertently charged the buyer another XXXX which like an XXXX i reimbursed the buyer. As you can guess i never received my funds and am out XXXX. 
I contacted PNC Banking and the basically told me so sorry, so sad, cant help you. 
I explained to them it was their platform that was being used to perpetuate this crime but they dont seem to care. 
I contacted XXXX and they confirmed it was a scam as they dont send emails. 
Another scam they are attempting on XXXX is the XXXX XXXX scam. Ive had 3 entities try to get my info that way.
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Reporting Credit Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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.