Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

I use XXXX XXXX. In spring XXXX, I noticed some fraudulent charges on my account. I contacted the company ( XX/XX/XXXX ) and they cancelled my card, refunded the charges XXXX on XX/XX/XXXX ) and then sent me a new credit card. This dropped my credit score by 50 points. As these charges were fraudulent and I did not get the option of opening another account ( ie. I had to do so ), I disagree with my credit dropping 50 points. 

These fraudulent charges were from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They were from online sites XXXX XXXX XXXX and XXXX XXXX. 

I would like my credit score to be as it was before these charges surfaced and I was forced to get a new card. I am hoping to refinance my XXXX student loans and need the best credit score possible. 

Thank you greatly! 

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

I called XXXX XXXX on XX/XX/ to setup service for my Girlfriend who lives in an apartment separate to mine. The representative on the phone asked for my social very shortly after getting on the phone with me, in her words " this is a standard procedure to verify whoever is calling us does not have any debt owed to XXXX '', so I gave them my social because I was the one calling. She did not inform me that she was using my social to create a XXXX account under my name ( instead of my Girlfriend 's name ), and she pulled my credit report without my consent or even telling me she was doing so. I fixed the problem with the account having my problem but there is still a hard inquiry from Equifax fromXX/XX/XXXX. I attempted to dispute it with Equifax but the dispute was denied. I was planning on setting up XXXX service for myself about two months later, so my " fallback '' solution was to setup an order for myself that would be completed in two months, so that they would be able to setup service for me without checking my credit again ( since they had already just done it, every XXXX representative I spoke to said that my credit would be held on file for 30 days and my credit would not be checked again since I am setting up an order within 30 days of my credit being checked ). When I went to complete the pending order, XXXX pulled my credit report again, and again did not inform me or did not have my consent. There are now two hard inquiries on my Equifax from XXXX that I did not authorize. Obviously it would be reasonable to expect one to be on there, for setting up my service, but there are two, and I did not authorize either one. 

The representative I spoke to on XX/XX/XXXX to setup service for XX/XX/XXXX confirmed that a second credit check would NOT take place, since they had checked credit on XX/XX/XXXX and it was within the 30 day window. Her employee ID is # XXXX and her name is XXXX.
Complaint sub-issue: Can't close your account

Bank charged me fees and refused to honer the disputes for the charges that were multiply posted, and refused to dispute items I never received and with their overdraft coverage and fees i am now XXXX. 
I want to close the account and work out a payment arrangement but they wont let me. 
I live off XXXX a month in social security so even if they sue me and get a judgement they wont receive anything and I'll just file bankruptcy again in 8 years. But I would like to try and fix this. They also wont remove my sister from the account as she had nothing to do with this and is not responsible and they wont close the account cause it's negative and they will keep accruing fees, I don't know how they let this account overdraft XXXX when they know I only receive XXXX in social security benefits. I think they did this to be try and sue me and get a judgement to try and take any assets I have ( which I have none, I own nothing, everything i use belongs to my father ) I need help working with these people from PNC.
Complaint sub-issue: Reporting company used your report improperly

I also checked my Equifax credit report and I still see the Bankruptcy that I have filed a complaint before and it is still on my credit report. This XXXX XXXX bankruptcy is said to be erroneous. The Equifax and the company failed to provide proof and I never received any proof of the investigation was conducted, which I have been requesting for several times.
Complaint sub-issue: Account information incorrect

I have in my credit XXXX XXXX XXXX, account XXXX, has 2 late payments in XXXX and XX/XX/2018, I do not recall to have this late payments, I request the removal of these inaccurate information.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, Im having discrepancies with Equifax and the creditor XXXX XXXX and I reached out to XXXX  by mail due to the fact that there the only credit bureau agency that doesnt have live representative that consumers can speak with, I havent heard any feedback from XXXX  about my credit report ever since XX/XX/XXXX. I spoke with multiple of live agents multiple times at Equifax all Im being told is lies majorly of the representatives from Equifax doesnt even want to give consumers there name. Equifax went into my credit score constantly changing my score to high to low, over a company called XXXX XXXX that was paid off, I was told by one of there customer service representative that it would be removed from my credit report, XXXX XXXX is reporting it to the credit bureaus as a paid charge off. XXXX XXXX owed XXXX XXXX, I had both of them at the same time before going to a horrible divorce loosing everything, my children I was XXXX  sleeping inside of the car, I had a few hardships the past couple of years, I paid off XXXX XXXX and I fell a little behind in my XXXX XXXX and got delinquent. Im out of work for getting injured on my job, and still find a way to pay them off, and XXXX XXXX still want remove this account off my credit after being told they would very Val people to there cord, its people out here in this world wouldnt care at all and not come back two years to pay there account off, I could of waited to it dropped off my account in XXXX. I need Equifax to stop taking points off my credit score for a creditor I paid off, I have evidence that Im sending over
Complaint sub-issue: Information belongs to someone else

I HAVE ISSUES WITH IN ACCURATE INFORMATION APPEAR ON MY CREDIT FILE. I HAD BEEN COMPROMISED LAST YEAR AND I WOULD LIKE THE FOLLOWING INFO DELETED REMOVED FROM MY CREDIT REPORT THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX  XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX,
Complaint sub-issue: Personal information incorrect

I currently live at the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX I no longer live at the address XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX. Please remove from my credit report.
Complaint sub-issue: Deposits and withdrawals

This bank doesnt get me or my concerns they have bad feedback when I give them I feel ignored why does their debit cars nit have tap pay go technology when many banks have already implemented this feature it is much nicer to have a card where you can tap their technology is old their behind with chip only insert with this pandemic they have to update their debit cards
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2019 Balance : {$1600.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Reporting company used your report improperly

CFPB Complaint ID XXXX XXXX XXXX. Of Executive Office of Customer Advocacy stated In addition, under the Credit Reporting Agency Information section of the Cardmember Agreement; We may report the status and payment history of your Account to credit reporting agencies and other creditors. We normally report to credit reporting agencies each month. As such, we are unable to honor your request to cease reporting the account to the credit bureau reporting agencies. We have sent copies of all available billing statements for the account under a separate cover. We are unable to honor your request to remove previously reported account history, as the information reported is a factual representation of what occurred on your account, nor are we able to remove the account from your credit bureau reports as we consider the account valid. Which method of verification have you use to verify such information as you mentioned? 
XXXX XXXX. Provide provide proof you have complied with Federal Law Gramm-Leach-Bliley Act and gave me the Option to Opt-Out of furnishing my non public personal information or you shall be fined. Because you need to over-stand your company Policy doesnt supersedes over Federal Law. 
XXXX Bank and all the Credit Reporting Agencies XXXX, XXXX, Equifax are committing Racketeering Each count of racketeering is punishable by up to 30 years of incarceration in federal prison and I have proof of their actions. Failure to remove MY account ( my intellectual property ) account ending in XXXX XXXX XXXX, XXXX Bank will be sued in Federal Court.
Complaint sub-issue: Public record information inaccurate

as of XX/XX/2020, My public record " Bankruptcy '' is over with.Should not be on my record at all
Complaint sub-issue: Investigation took more than 30 days

I sent Equifax and XXXX  a dispute letter on XX/XX/2020 regarding XXXX accounts on my credit report. Today is XX/XX/2020 and I have yet to hear a response to the investigation. Under federal law, they have thirty 30 days to complete their investigation and it has been well over 30 days. According to the FCRA, a credit bureau is required to respond within 30. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not they are in violation of the FCRA.
Complaint sub-issue: Received bad information about your loan

I submitted my application for public service loan forgiveness on XX/XX/2021 through Fedloans. I received acknowledgement of my application on XX/XX/2021. I received a notice with an updated payment count on XX/XX/2021 confirming that Fedloans had updated my payment count on loan sequences XXXX and XXXX to 120 payments. I reached out to customer service and they said there was nothing to do but to wait and that once the loans passed internal review, they would be passed on to the Department of Education in batches, likely in 2 weeks time. Several weeks pass, I contact customer service again to see if there are any updates. They state that the process is " non-linear '' and that they can not comment what the steps are or which steps have been completed. It is unclear to me ( and hundreds of other borrowers ) currently in this limbo why there can not be more transparency about this process. It is also frustrating to call different customer service representatives and be given a different answer each time. The goal of this program was to encourage people to work for non-profits and governmental agencies for a period of 10 years but in effect, it is actually tying them in place for 10.5 years. I have turned down job offers during this period of time of limbo, decisions which materially impact my family. I respectfully ask for your assistance in increasing the transparency of this process for myself and others like me who feel trapped and helpless in this process.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX is trying to collect a debt that is not mine. This is a result of identity theft and not mine, I have never had XXXX or cable service at all ... Please check your records and remove from my credit profile or I will have no option but to handle this in small claims court.
Complaint sub-issue: Non-sufficient funds and associated fees

First, I am XXXX yrs old, and on Social Security benefits as my income. As hard as I try, occasionally I am overdrawn when my bank, Bank of the West California, pays a programmed AutoPay bill on the XXXX of the month. I do not get my next SSI deposit until XXXX XXXX, XXXX. It will be more than two weeks before I can sort this out even though I have been a good customer for many years.

The bank will pay this even though I do not have Overdraft Protection. I also had one other account that tried to bill my account but that was only for {$15.00} so I guess that wasn't important enough for them to bother.

However, are there not rules against Usury? Being charged {$35.00} for an overdraft of {$88.00} is one thing, but then the bank threatens to charge an " Extended Overdraft '' fee for more than five ( 5 ) days! Isn't this called loan-sharking? Another {$35.00} for {$88.00} for five days? Give me a break. I am a senior and the bank makes lots of money on many, many fees. 

Is there any way you can not only help me with this instance, but also in getting the banking laws changed to prevent this kind of predatory behavior? Man, since XXXX, and passage of the Dodd-Frank XXXX XXXX XXXX have not seen anything but consolidation of the financial industry and a deterioration in service and an increase in plain old XXXX  and no one does anything about it. 

Your assistance is greatly appreciated, XXXX XXXX XXXX XXXX XXXX since XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX, 2022 I sent via certified mail a letter to all 3 bureaus regarding accounts that were inaccurate and to be investigated. 
The Credit bureaus stated : XXXX or XXXX XXXX Adjusters XXXX was properly investigated but how, if the date last active in Not Accurate. 

XXXX  XXXX XXXX was properly investigated but how if the high balance amount, date of last active, and last payment date is Not Accurate. 

Over 30 days has passed and nothing had been sent to me for validation and accuracy for XXXX XXXX XXXX. 

This is grounds for Removal. According to 15 U.S.C 1681i ( 5 ) ( a ) it sates If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
My federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are being violated continuously They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency Cannnot furnish a account without my written instruction. 
15 U.S.C 1681 Section 602 A. states I have the right to privacy I Haven't given these accounts written permission to furnish these accounts on my credit report.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I feel like this would give me trouble in my futures credit deals, As such I would like this matter to be taken care of.
Complaint sub-issue: Problem accessing account

I have been a Citibank client since XXXX, first abroad and then in USA. 
I currently have 3 accounts ( 2 savings, 1 checking ). 
Since XX/XX/XXXX, the online access of my accounts has been constantly blocked by Citibank, for reasons nobody can really explain. 
I have contacted my Executives ( Mr. XXXX, Mrs. XXXX ) many times, and still the problem returns. 
I am a hard worker person ; I travel, I need my accounts to work. 
This has caused me many problems : -Damage of my credit and reputation, because I have been late on payments due the lack of access to my accounts. 
-XXXX  and XXXX. 
-Waste of my time and money ( late fees paid ). 

I have answered ALL the questions the bank has asked me. They say all is my fine, and still, Citibank blocks my accounts ; and then every time, I must go through a long process : phone calls, change of IDs, passwords. 
At the moment I type this, one of my accounts has been blocked ( not online access ) for over a week. 
Who is responsible for the all above damage?
Complaint sub-issue: Other problem

Two banks CITI and XXXX XXXX XXXX are now saying they will stop doing business and extending credit with business and maybe in the future people who are involved in the gun industry and rights.

These activities are legal under law and the banks are using their power to dictate what happens in the US shutting out business and people who they disagree with then controlling the public. 

This tactic in the future could be used against anything they disagree with or want to control or sway in the country. 

This situation sounds highly worrisome.
Complaint sub-issue: Seized or attempted to seize your property

My home is actively in foreclosure, sale date rapidly approaching on XX/XX/XXXX. I have been working all month to try and get them any and all paperwork they need to proceed on a loan modification or a repayment plan, but I am now told they can not proceed because there is not enough time to review my paperwork before this sale. There would be time to review if a hold was placed, or if I had been contacted at all by LoanCare before it was put into foreclosure again, and I was not. 
My mortgage company is 'XXXX  ', but all my loan assistance and foreclosure dealings are through 'LoanCare '. I have been dealing with this for many months, even more than a year, trying to get things straightened out, submitting all paperwork requested, not hearing from a LoanCare representative, and while waiting for contact, my foreclosure continues. 

Over the pandemic, I was put on a Forbearance program. After the forbearance, I was put on a trial payment period. Sadly, one of my trial payment checks did not reach LoanCare in the mail, I was not contacted by phone or email, and eventually my following payments sent started to come back to me. I was contacted by a local law firm that my house was actively in foreclosure. 
In XX/XX/XXXX, my foreclosure was stopped, and I was told by LoanCare a loan modification/mortgage assistance application packet would arrive in the mail within 30 days. It did not. I contacted LoanCare and was told it could still be in the mail. My house was once again put in foreclosure ( I received another letter from a local law firm, not LoanCare ). 
I again called and explained. I was told the foreclosure was put on hold, and this time I was sent the paperwork and documents requested via email on XX/XX/XXXX. I submitted all documents that day, I was told to wait 3-5 days after submitting. 
Since then I have been on the phone every few days, trying to get an update, asking if they need any additional documents to proceed. As of yesterday, XX/XX/XXXX, my request was for a hold on the foreclosure was denied, and my paperwork and documents deemed 'not submitted in enough time to process before foreclosure '. I have requested yet another hold, as the Foreclosure sale rapidly approaches and my family is terrified of being forced out of our home. 
There has been little to no communication from LoanCare via phone, email, or mail. My wife and I are employed full time and can afford a monthly mortgage payment. We have a XXXX daughter and we are caretaker for my mother-in-law, who is in the final stages of XXXX. We can not lose our home, and have tried for MONTHS to make right by LoanCare, and feel we are being stalled out, or we are a vicim of 'Duel Tracking '.

I am just desperately reaching out to anyone who might be able to help and be on our side as we do anything to avoid the sale of our house. Please let me know if anything can be done, this has been a very difficult, frustrating, and heartbreaking experience.

One of the most frustrating things is the lack of paperwork, emails, any sort of paper-trail from LoanCare that can prove my willingness to reach a resolution.
Complaint sub-issue: Personal information incorrect

My name  is XXXX XXXX. XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX, XXXX, WV XXXX-XXXX. My SS is XXXX-XXXX-XXXX DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate:XXXX XXXX XXXX XXXX, XXXX, OH XXXX5 XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX