Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

Discover Payment for my credit card was due XX/XX/XXXX. On XX/XX/XXXX I did not show my normal {$150.00} fixed amount has processed, so I edited the payment amount to reflect my desired {$230.00}. I authorized XXXX transaction for {$230.00} on XX/XX/XXXX, then on XX/XX/XXXX I recieve an email stating my discover payment for {$150.00} had processed. Now I see an unauthorized payment for {$150.00} out of my account on top of that {$230.00}. I contacted them and they were not helpful gave me the run around and essentially said I was XXXX out of luck for providing groceries for my family.
Complaint sub-issue: Was not notified of investigation status or results

There are several negative items still on my report that are not accurate. I had submitted a dispute for an investigation and a response into these issues on XX/XX/XXXX and I never received any reply from any bureau. I sent a follow-up dispute at that time which was on XX/XX/XXXX. I still have nothing from any of the bureaus and today is XX/XX/XXXX. I don't feel that a proper investigation has been completed since there has been no verifications made and no response received. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Complaint sub-issue: Account information incorrect

I have been having some issues with Discover credit bureau for a little over a year now. I reached out to them via email at their card member services website back in XX/XX/XXXX after I noticed that they had never reported any of my payments to them on my credit. I never received a response as well as after reviewing my credit again have discovered there was no action taken to report. My last payment to them was in XX/XX/XXXX for {$250.00}. I also spoke with a representative recently, on XX/XX/XXXX, about settling my account, In the conversation I asked the representative to email me a copy of the settlement agreement for my records, He advised me to make a copy of the conversation, confirmed my email address, and stated that they would email me the settlement agreement. The settlement agreement was never sent to me however. attached is the file i saved as a copy of the conversation.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX  XXXX {$40000.00} XXXX   XXXX {$3800.00} XXXX XXXX {$6300.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX   XXXX {$40000.00} XXXX XXXX XXXX {$980.00}
Complaint sub-issue: Account status incorrect

This account has been paid in full and not in a derogatory status. XXXX  Has not made an update to the account since XXXX. XXXX  has not updated this account since XXXX. XXXX has not made an update on this account since XXXX. All Of the credit reporting agencies are reporting different last payment dates for this account. As well as the date that this account was opened is reporting differently on all three credit reports. All Three credit reporting agencies all have different Information that does not accurately report this account. XXXX  Is reporting that this account was 120 Days past Due where the other two credit reporting agencies are reporting that the account was never late and is Current.
Complaint sub-issue: Company closed your account

Credit karma unfairly closed me account after I disclose THEE fact that me have a intellectual XXXXsomeone steal all money from THEE account of me. Not fair, not cool. They discriminate like most people because me XXXX American and not smart very but getting very better. People take disadvantage of me and I am tired. Someone steal all money of me from credit carma account and credit carma do not help me. I reported a call to the polices and they give to me a number XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Complaint sub-issue: Reporting company used your report improperly

On or about the dates XXXX, and XX/XX/2022 as shown on my XXXX, XXXX, and Equifax credit file, XXXX XXXXXXXX XXXX XXXX has supplied late payments . 15 USC 1666 B clearly states : " A creditor MAY NOT treat a payment on a credit card account under an open end consumer credit plan as late for ANY REASON. 
Furthermore, 15 USC 1681 Section 602 states : I have a right to privacy. FCRA 15 USC1681 Section 604 A that my written permission is needed to furnish any items on my credit report ( s ). So therefore, XXXX XXXX XXXX XXXX  has violated my rights and furnished damaging illegal entries to my credit file, at which prevents me from simply living my life and causes me great stress. Also during this same time frame of late payments i was seriously impacted by Covid-19, so I would also like to enforce my full rights as it applies to this matter under the CaresAct.
Complaint sub-issue: Account information incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX  and XXXX  efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX  and XXXX  are reporting inaccurate information on ERC ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft due to the Equifax XXXX XXXX and I need the accounts listed in my documents provided in this complaint immediately blocked from my credit report. I am demanding these accounts to be removed or blocked based on the legislation outlined in 15 USC 1681c-2 ( c ). Please also reach out to the 2 other credit bureaus ( XXXX and XXXX ) and let them know to remove this fraudulent information as well. I've attached my SS Card, A copy of my passport, a UCC 11 Filing showing that there is no debt in my name in the State of Washington, and an up-to-date FTC Report. 

Thanks!
Complaint sub-issue: Debt was paid

This account is fraudulent in regards that the security interest paid for all obligations. Lending Club continues to communicate with me harassing, oppressing, and abusing me in connection with this debt. Lending Club has continued to send false, deceptive, and misleading representation in connection with the collection of debt created by this account. Lending Club unfair and unconscious practice to collect this debt is causing harm, abuse, and is very deceptive. 
Lending Club continues to infringe on my rights as a consumer by not in good faith upholding their responsibilities. The Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ) responsibility for the debt is in dispute as well as the validity of the debt, or any portion thereof.
Complaint sub-issue: Information belongs to someone else

I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that don't belong to me or I never authorized. I notified my family lawyer and he instructed me to file a complaint with the CFPB 1st. The following accounts are fraudulent and are not mine and need to be deleted from my credit report. XXXX/XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Also on my personal information my Address is : XXXX XXXX XXXX XXXX, Texas XXXX and my Employment is XXXX XXXX XXXX XXXX XXXX. Please correct my information, none of the other personal information applies to me.
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 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 These accounts have 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: Trouble with how payments are being handled

I initially applied for the Public Service Loan Forgiveness Program in the fall of XX/XX/XXXXwhen I graduated and began working. It took nearly an entire year for FedLoan Servicing to approve my application, then several more months of delay as they encouraged me to apply for a forbearance while I " just wait '' on them to approve an income driven repayment plan. In that time when I could have been making qualifying payments toward the PSLF program, I instead was told to " wait '' and essentially have wasted months when I could have either gotten credit toward the program or at least kept my overall debt from ballooning.
I initially applied for Direct consolidation for the PSLF program repayment requirements onXX/XX/XXXX. After following up several times, I received an update from them on XX/XX/XXXXthat my request was " still being processed. '' I followed up again with questions about the delay onXX/XX/XXXX with no sufficient explanation as to the delay.
My request was finally processed onXX/XX/XXXX - a total waste of 7 months that I could have been in repayment toward the PSLF program or at least paid the interest amount ( which they discouraged me to do ).
It took until XX/XX/XXXX ( over another year ) for them to acknowledge receipt of my additional income-driven repayment plan documents, which they requested. I am currently STILL WAITING for them to let me know what my monthly income-driven payment amounts will be for the next year. They sent an update on XX/XX/XXXXstating my income-driven repayment re-certification request will be processed after my " current schedule '' is generated on XX/XX/XXXX As of today ( XX/XX/XXXX ), I am STILL WAITING.
I have called and emailed numerous times to follow-up. The only responses I have ever received are " just wait '' or " it 's being processed. '' Meanwhile, I have been working at a qualified employer for over 2 years with only a few months having been counted toward the PSLF program, and now my payment credits are AGAIN being delayed due to " processing. '' I have been unable to get an answer from anyone every single time I have called customer service as to why it takes nearly an entire year for documents to be reviewed.
In one instance, after calling more than 5 times for confirmation they received my uploaded documents, I was told the page I submitted was somehow mysteriously blacked out across the bottom 1/3 of the page so they had not been able to process it but failed to let me know this. This was the excuse given to me despite the fact that I had confirmed their receipt of the document, in it 's entirety and that it was readable, nearly 4 months before this happened when I first submitted the document.
I fully believe FedLoan Servicing is engaging purposefully in deceptive and fraudulent practices to delay forgiveness timelines, discourage borrowers from actually paying toward the debt to increase overall interest accumulation, and giving consumers the " run around '' when they actually try to manage their debt.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I have been requesting verification of the debt from ERC for over 2 years. To this date I have yet to receive verification or any proof I owe this debt to them. They simply ignore my requests. This has affected my ability to get an apartment, find a job and has increased my car insurance in the past.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act DEPT OF ED : 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 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 FRAUD REMOVE Have violated my rights 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. also part ( 1 ) states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. part ( 4 ) states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. part ( B ) states It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Please request all the Reporting Bureaus promptly remove these files according to U.S.C FCRA IT has currently been over 30 days since my last submission of this matter to be handles and for the files to be removed. And with fairness and abiding by the laws that hold up the banking structure I DEMAND that these accounts be removed diligently.
Complaint sub-issue: Their investigation did not fix an error on your report

I have provided the Credit Reporting Companies with the proper documentation to remove items from my Equifax, XXXX and XXXX Credit Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX/XXXX XXXX. I have requested validation of this account. The have continued to provide me with copies of statements and will not provide me with anything being my signature to validate the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted Equifax on XX/XX/XXXX to advise them that I have no knowledge of a XXXX XXXX nor is this company any where on my credit report ... 

I contacted XXXX  on XX/XX/XXXX and informed them that I have no knowledge of a XXXX XXXX and they are no where on my credit report .... 

These ( 2 ) inquired were not by permissional purpose at all and I want them deleted/removed from my credit report immediately. 

XX/XX/XXXX is XXXX XXXX XX/XX/XXXX is XXXX XXXX
Complaint sub-issue: Confusing or missing disclosures

In XX/XX/2018 I opened an online checking account with Key bank. Some how my correct address did not get registered, but I did not know that. I received an email that same day confirming that my account was opened, but the email didn't contain my account number. I waited for my first statement, which I never received because of the incorrect address. After a few months ( my fault for waiting so long ) I chatted with Key to inquire about my account, but they couldn't help me and said I had to call them. I called and the person told me that my statements were being returned, but she couldn't give me my account number over the phone and that I would have to go into a branch to resolve the matter. When I went into the branch I was able to correct my address and get my account number. When I got online access to my account I saw a large number of fees, inactivity fees, paper statement fees, returned statement fees, maintenance fees. They are clearly trying to extract as much money in fees from their new customers as possible. So I transfer the remaining money and tried to close the account. I was told that I could not close the account because of a recent address change. I waited the specific time and then tried to close the account, but by then I had a negative balance and was told that i could not close the account becaue I had a negative balance. I asked to speak to a supervisor and he said he would refund the latest fee to bring the balance to zero and then close the account a few days later once the refund is no longer pending.
Complaint sub-issue: Their investigation did not fix an error on your report

Filed numerous complaints and disputes with equifax and XXXX  also XXXX  and showed proof of inaccurate reporting on my credit with no results will attach all info
Complaint sub-issue: Didn't receive enough information to verify debt

I do not know nothing of this debt ( {$2600.00} ) that this debt collector is trying to collect from. I do understand that if I am receiving notices of debt in the mail that my information has been exposed to a third party and this is against my rights according to the Fair Debt Collection Practices Act. I have been harassed by these people countless times. They have sent me emails regarding the debt and phone calls. They have sent mail more than once about this debt. The phone calls implied that further steps would be taken by them if i don't pay for the debt, 15 U.S.C. 1692d. I have been stressed out due to this company because I know they are violating my rights. They are just a third-party debt collector participating in bad debt-collection practices. I wasn't even properly notified how to dispute or even I was able to dispute this fraudulent debt.
Complaint sub-issue: Old information reappears or never goes away

I have 30 days late payment on XX/XX/2019 from Macy 's star rewards store card. 
I ask for them to delete this late payment do to covid 19 as reason. I did receive answer from them showing that it was denied. I did try one more time this year and call them to delete this late payment and they told me i tried last year to delete this late payment and they can not help on this.
Complaint sub-issue: Trouble closing card

have been waiting eight months to receive a check for the remainder of my fathers account ( {$3900.00} ). I have called multiple times a month since XXXX and have had no follow through. Im frustrated by the lack of response and accountability that Direct Express has shown me each time I have attempted to resolve this final matter regarding my dads death. 
On XX/XX/XXXX, my father, XXXX XXXX, passed away. In XX/XX/XXXX I called to close his account. Direct Express froze his account and sent me the paperwork to close it out. In XX/XX/XXXX I sent the paperwork back with everything requested. In mid-XXXX I called Customer Service to check on the status and was told a check was sent XX/XX/XXXX, and that it would take 4-6 weeks. I told the customer representative that I had not received the check, and she said I needed to wait the full six weeks before they could do anything. So I called back 3 days later. The customer service representative escalated my request and told me someone would call me back. I waited two weeks for someone to call me back. No one ever did. I called again. They escalated my request again. I never received a call. I called back once a week for the month of XXXX. On XX/XX/XXXX, I called again. This was the 5th time I was told someone would call me. I knew that no one would. I was finally given the number for the Payment Processing Department. I called and listened to the seven-minute long message before leaving a voicemail with all of the information. I was surprised that someone actually called me back. On XX/XX/XXXX she told me that she would send a request to the accountant to research the check, request a stop on the check if it had not been cashed, and then issue a new check. I asked how long I should expect that to take. She said 2-4 weeks depending on how busy the accountant is. I waited four weeks and called again on XX/XX/XXXX. Again they told me that they would escalate my request and a supervisor would call me back. I was finally given a fax number as a last-ditch effort. I called the payment processing department again on XX/XX/XXXX. I have still not heard back from anyone.
Complaint sub-issue: Funds not received from closed account

I entered a verbal agreement to exchange currency with a person over XXXX. He agreed to send me {$27000.00} first, then I would send equivalent amount in XXXX to a XXXX a/c designated by him. On XX/XX/2022, he sent me an image of wiring ( the exact subject transaction ). On XX/XX/2022, the subject wiring was settled and that amount became fully available in my account, and then I followed thru by wiring XXXX  XXXX to the account designated by him. After learning that the subject transfer was a suspected fraud from Key Bank on XX/XX/2022, I filed a police report with XXXX XXXX. I also reached out to the XXXX bank that I wired XXXX  from, and asked them to recall my wire, but they told me it was too late to recall that wire transaction. At this point, I stand to lose all of the {$27000.00} if you return the money to the sender and I would become a victim of either fraud or misoperations of banks. 
I have tried many times since my account was blocked, reaching out to KeyBank customer service, fraud department and the XXXX branch where my account was opened. Despite so many different phone calls, no one in Key Bank had ever told me that there was fraud on this incoming wire or asked me about it. This transaction is part of an agreed currency exchange of XXXX currency and USD with this person. And I already wired the XXXX  amount equivalent to {$27000.00} to the person as per the agreement, after I saw this income wire of {$27000.00} was settled on XX/XX/2022. If you return this wire, I would lose all of {$27000.00}. I opened a police case on this potental loss with XXXX Police in WA. The case # is XXXX. I now urge your bank to honor the settlement of this wire transfer and unblock my account.