Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not handled or disbursed as instructed

Sunday Morning ( XX/XX/17 ) I went to deposit my money into the local ATM at Bank of Texas at XXXX XXXX XXXX. I do not have an account with Bank of Texas, but the ATM is partnered with my online XXXX bank account. The ATM malfunctioned and took all of my money. I lost {$1000.00} in that machine. XXXX wo n't help because they said there 's no transaction/deposit/withdraw to dispute bc the ATM did n't finish the transaction. Bank of Texas wo n't help because I 'm not a customer there. My money is there. No one will help me. Please help me bring awareness to this. I 'm desperate for my hard earned money back. I also have a error receipt stating the machine malfunctioned attached.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I received notice in XX/XX/XXXX that I had an unpaid balance on a Citibank Sears account ending in # XXXX. Upon receiving this notice, I called the number provided and learned that purchases had been made without my authorization on what I had believed was an old account that I had closed. I no longer had a physical card and therefore do not know the account number. Sears has repeatedly refused to provide XXXX since I learned of this fraud. I immediately opened a claim with Sears CBNA ( claim number XXXX ). Since that time, I have been given different accounts of the amounts owed and manner of resolving this issue. Despite my assertions of fraud, the account was sent to Collections. In XX/XX/XXXX, after being unable to resolve the issue with Sears Citibank and receiving contradictory instructions, I made a report with the Federal Trade Commission ( FTC report # XXXX ) reporting that I was a victim of identity fraud and fraudulent charges had been made on what I believed was a closed account. I also began to contact the three credit bureaus individually to dispute this charge and discovered I was a victim of XXXX 's breach ( XXXX claim # XXXX ) and my personal information had been compromised. I had learned that partial payments had been made on this account with the use of a debit card. Therefore in XXXX, as instructed by Citibank, I sent a packet containing copies of my bank statements showing I did not make said payments. Included in the packet was also information regarding my driver 's license, social security number, XXXX claim #, FTC Report and a summary of what had transpired since XXXX. This packet has since been sent several times to Citibank due to their lack of response and repeated assertions that they had not received the packet. I also retained an attorney who also sent the packet several times. Beginning on XX/XX/XXXX I and my attorney have requested copies of any statements, delivery addressee, charge slips, investigator 's summary and any other information regarding these fraudulent transactions. These requests have been made verbally and in writing. To date, we have not received any information despite repeated assertions that they will be sent. Moreover every time I call to determine whether the items are sent, I am informed there is no record of the items being sent. I have requested several times to talk to the investigator who I am told is named " XXXX '' but am refused access to her. In one of these many calls I was able to determine that the physical address on the account, the email address and the security code to gain access to the account had been changed and were not mine. Since XXXX of XXXX, this issue has yet to be resolved. I am given a different response every time I call, I am not given a status of the investigation, and am told a different account of what should happen every time I call.
Complaint sub-issue: Can't close your account

Long story short, a tenant security account was opened at XXXX XXXX. The bank changed hands a couple of times and now no one can find my account. 
Details : On XX/XX/XXXX, I opened a tenant security account at XXXX XXXX  and deposited {$850.00}. In the meantime XXXX XXXX was bought out by XXXX XXXX on or about XX/XX/XXXX. They were then bought out by Key Corp on or about XX/XX/XXXX. 

In XXXX my tenant moved and I tried to retrieve their security deposit only to be told by Key Bank that they had no record of my account. They suggested that I contact the CT Dept of Treasury Unclaimed Property Division. I did, and they have no unclaimed funds in my name. I had to pay the tenants out of my pocket and figure out who to make a complaint to. 

I don't know how or when my account was lost, only that I'm due {$850.00} plus interest from XXXX. I still have my account pass book showing my deposit. My account is # XXXX. My name XXXX XXXX and my mother 's name XXXX XXXX are on the account. ( My mother would handle my affairs when I was deployed with the XXXX ).
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act this creditor XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.

Creditor did not provide options to opt-out of reporting.

Obvious violations
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Idk why they closed my account but I had some funds on my acount that I wanted to cash out but when I try to do it its was declined because now the acccount was negative because they have charged me that I wanted to add money but it was declined. So they charged me and put my account in negative balance! 
And how Im going to put money in my account if they declined the transfer in order to charge me and put more negative balance
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. This debt is not mines
Complaint sub-issue: Information belongs to someone else

Hello i have been speaking with the crewditors and they have not removed this off my report and this is something im scared i wont be able to get help with they will not remove this information i did not apply for these and i did not sign or use my signature.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15-USC-681 SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY. 15-USC-681 SECTION 604-A SECTION 2 ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15-USC-1666-B STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following items are a direct violation of my consumer rights. 

XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.. 

XXXX XXXX Account # XXXX XXXX5 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.. 

XXXX XXXXXXXX XXXX  XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS..
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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: Information belongs to someone else

Back in 2018, I found out someone was using my identity.
Complaint sub-issue: Problem making or receiving payments

I am trying to link my PNC account to my XXXX  account so I can begin to save some money. In case of another pandemic in the future, and pnc will not let me link my account.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I mailed out letters to EQUIFAX, XXXX XXXX XXXX because of some inaccurate details on my credit report. 2 months have passed, but until now, I can still see those inaccurate details on my credit report. I wonder why are they taking so long to settle this. I need this inaccurate details deleted ASAP. It is stated in Fair Credit Reporting Act Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove those items from the credit report and it has been over 60 days so they should be deleted promptly. Please help me fix this issue ASAP.
Complaint sub-issue: Billing dispute for services

RE : XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681 ( a ) ( XXXX ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS XXXX DOB XXXX I am going over my credit file and I saw a few things that are not accurate. I have unknown addresses on my file that I do not recognize that I need to be removed. 
These addresses do not belong to me please delete them:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
there are several misspellings of my name my correct and my only name is XXXX XXXX, Please delete any other spellings or variations they are not correct!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I ordered a laptop in XXXX and I never received it. I told best buy that I didn't receive it and the tracking reflects that It was mis-delivered. They refused to help me so I filled a billing dispute with the Best Buy Store Card. After months of it being worked on they dropped the dispute by saying that my card was reported missing. I DID NOT call in and tell them that I lost my card by any means. By them doing this, they have mis-handled my dispute and effectively locked me out of being able to dispute the charge again.
Complaint sub-issue: Their investigation did not fix an error on your report

This is m y 2nd atte mpt to get this rectified with your organization in regards to thes e 2  accounts reporting on my credit file. I am making complaints against Equifax,    XXXX    and "   XXXX   XXXX   '' for reporting an unverified debt. I have no idea why these  2 a ccounts are on my credit file and where they originated from . I co ntinue to receive auto-responses that this has been " verified '' and at no time have I ever received any agreement or contract with my signature on it verifying that I ever agreed to pay or owe this debt! What this means is that anyone can state that any consumer owes them money and it 's taken at face value with no consequence or proof! This means that I can send a collection agency a claim that whoever is reading this owes me {$2000.00} and the bureaus will believe it when that company says that it has been verified and that 's the end of the story. It does n't work like that.  Congress  states that the only legal proof is firsthand knowledge which means having the actual documentation in their hands. If that were true, there would n't be such as issue in regards to validating this. In addition, I 've had to dispute with this company  at 3 s eparate addresses because the address listed on my credit file is not valid and was returned. I have only received  1  letter from   XXXX   XXXX   and it was from a different address than what is listed on the report. Therefore, I disputed with them at that address via certified mai l ( e ach time ) and at no time have I ever received any other correspondence. Because they are not replying to me at all, this means that I am right and do not in fact owe any money to them. If I did, they would immediately send me the proof of this and back it up! The bureaus have disregarded my request for method of verification, procedures used to verify this debt and have willfully told me that this has not been disputed for the past 3 months even though I have faxed it to them as well as sent in the mail. I can also see on  XXXX  and  equifax.com th at the status of this account continues to change from in dispute to not, so I do know that my disputes are being received.
Complaint sub-issue: Received bad information about your loan

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly as payments that had previously been qualifying have been removed. When I contacted the agent they told me that it was because one of the signatures was not a " wet '' signature, however, this is inaccurate as both signatures were acceptable signature formats according to the Department of Education 's website. I believe I should have 68 qualifying payments but I am only receiving 11 qualifying payments.
Complaint sub-issue: Card opened as result of identity theft or fraud

As I was doing a annual credit check going over my credit history to make sure that all information was accurate on my credit file I came up on a couple accounts that I did not recognize I proceeded to contact these companies however, they sent me fraud packets on several occasions that I needed to fill out and notarized I did so and paid my {$10.00} dollars only for them to keep asking me to send more info and notarized more papers yet not doing anything about the account but make me spend money .... My request is that they send me the proper verifiable documentation for these accounts so that I may review it, they have refused and the credit bureaus are verify the information as correct even tho this creditors cant provide me any documentation that I requested .... please contact them and either have them remove these account or forward me proper documentation that proves the account belongs to me not invoices but actual consumer original contract that I signed ... 

1.XXXX XXXX XXXX/ total card .... credit card Acct # :XXXX DATE OPENED XX/XX/2016 Credit limit : {$300.00} Address : XXXX XXXX XXXX XXXX, SD XXXX  XXXX Note : they have been the root of most of my issues 2. XXXX XXXX XXXX ... credit card Acct # :XXXX Credit limit {$500.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX XXXX Note : disputed and ask they provide me proof they verified to the bureaus and sent me nothing :
Complaint sub-issue: Credit inquiries on your report that you don't recognize

n accordance with the Fair Credit Reporting Act XXXX hard inquires, 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 an account without my written instructions. Hard inquiry - XXXX  : XXXX on XXXX. Hard Inquiry : US Department of Education : Equifax on XXXX, XXXX XXXX  : Equifax on XXXX
Complaint sub-issue: Information belongs to someone else

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, Macys/DSNB, and XXXX  The Account Opened is XX/XX/LVNVFunding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}. The Account Opened is Macys/DSNB Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XX/XX/GapAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME THEREFORE I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS DAMAGE. THESE ACCOUNTS ARE INACCURATELY PLACED ON MY FILE AND I HAD NO IDEA I HAD SO MANY DEROGATORY HARMING MY CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE NEGATIVE ACCOUNTS REMOVED.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX, I wrote to XXXX, Equifax , & XXXX  informing them that the accounts listed on my credit report is inaccurate and incorrected. I showed proof of all the inaccurate information reporting on my file. I started with account # XXXX in the amount of {$370.00} being reported on my file. University Of XXXX account # XXXX I informed them of NO CONTRACT. Account # XXXX IN THE AMOUNT OF {$860.00} NO CONTRACT, XXXX ACCOUNT # XXXX Inaccurate information. And on XX/XX/2018 XXXX  & Equifax Informed me that the items were verified. Which is through a the XXXX system. I got nothing in writing stating who XXXX  & Equifax spoke with from these companies am disputing this information from nor is they licensed in my state to collect on this alleged debt they say I owe them. XXXX  never responded to my letter from XX/XX/2018. So on XX/XX/2018 I wrote to XXXX XXXX/Account # XXXX asking the to validate the {$370.00} they say owed them with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them They sent me a itemized bill in return. I have not received any evidence bearing my signature from this company. But they are still reporting this inaccurate information on my credit file. I wrote to XXXX/Account # XXXX on XX/XX/2018 asking to validate the account with evidence bearing my signature. I received a letter stating XXXX is collecting on a alleged debt from XXXX XXXX XXXX. They showed no proof of any evidence bearing my signature with neither party. I would for this misleading inaccurate information be deleted off my credit file as soon as possible.
Complaint sub-issue: Information belongs to someone else

There are 11 accounts that do not belong to me I have been going back and forthe with the bureuas regarding this since XXXX of 2020 I have opened an FTC I have called and written letters to the bureaus but nothing is being opened or even looked at I need this taken care of since these are not my accounts and they do not belong in my report!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several inquiries on my credit report that I don't recognize which are 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 I even wrote out some of the duplicate inquiries on my report.
Complaint sub-issue: Debt is not yours

I repeatedly tried to contact IC systems for the unknown account on my credit reports to no avail. This incorrect information is hurting my chances at applying for new credit.
Complaint sub-issue: Received bad information about my loan

Dear Representative, I 'm writing to dispute the American Education Systems ' ( AES ) entries on my credit report on account XXXX. This account was opened to finance my college education. I received the loan XX/XX/XXXX. After receiving the loan and making all installment payments in full and on-time for the entire history of loan repayment ( over three years XX/XX/XXXX ), my loan suddenly went into default because the loan servicer claimed that I had filed for bankruptcy. I found out later that my mother and co-signer on this loan had filed for bankruptcy without my knowledge and AES had automatically defaulted my loan without providing me with notification or an option to payoff. 

My co-signer 's filing had no bearing on my ability to pay my loan. I could have paid off the loan in full had this been an option. Since my co-signer filed for Chapter XXXX bankruptcy, I should have been given loan payoff as option. Instead, it took months of my own effort to contact AES customer service and National Collegiate Trust ( original lender ) seeking information about what happened with my loan and how I could continue to pay it. 

I eventually found out they sold it to XXXX, which is where I am now sending the monthly installments. To date, I am current on all payments. I am still being reported as having defaulted on my loan payments since XX/XX/XXXX, even though I am continuing to send monthly installments to the new loan servicer. 

AES reports their automatic default action as a " Charge Off '' on my account and this negative information is now affecting my ability to obtain good interest rates on a mortgage. AES customer service has misinformed me that the credit reporting agencies ( XXXX, XXXX, XXXX ) are the only ones who can remove this information. After filing a dispute with these agencies, I am informed by these credit agencies that the deletion of the negative information needs to come from AES. AES has also told me that they can not remove the negative information due to the Fair Credit Reporting Act ( FCRA ) - even though this act is intended to protect consumers from unfair credit reporting, not punish responsible borrowers such as myself. 

I have a proven track record of on-time, paid-in-full monthly installment payments in the years preceding and following the recorded default caused by my mother 's bankruptcy. I have records of all of my payment history available if needed. AES has violated the notification requirements of the FCRA and repeatedly provided me with false or misleading information about my account and their ability to resolve it. AES has turned a good loan bad with their irresponsible charge off of this account and I am being penalized for their actions despite proving myself to be a responsible borrower. 

I request CFPB require AES to immediately remove the negative information from my credit report for account associated with XXXX. 

Thank you.