Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Lexis Nexis regarding a public record. They told me the information was verified but did not tell me how. According, to the FCRA this information have to be provided with physical documentation. Also, this information have to be verified with the courts and the courts have to verify it. Third party sources such as XXXX does n't count as verification. I ask if could be removed Upon viewing my credit report I found many inaccuracies and they refuse to remove it from credit report that 's violating FCRA I 'm in the market to purchase a home and need these removed
Complaint sub-issue: Problem using a debit or ATM card

XX/XX/2018 I had a transaction through the XXXX option of my Citibank app for {$250.00} USD for a cellphone from a website called XXXX XXXX XXXX which is now down for maintenance. I ordered the device it was supposed to be received on that same day by their courier. Never was received due to high volume of orders and will be delivered or XXXX pick up whichever I decided on. I decided to schedule a XXXX pickup and never was emailed back to proceed the option. I decided to dispute this. I called the number it says call rejected. I emailed them and got a response with an email back saying it will be refunded at XXXX PST I never received the funds and called my bank after I couldnt contact the company of the cellphone anymore. The website says for question or information email XXXX so I emailed them and no response. So thats when I called my bank again and they said I had to fix this with the company which I did mention to them is not corresponding to my issue. Citibank did not help at all to retrieve my funds back after a fraudulent activity towards a promise to refund.
Complaint sub-issue: Problem during payment process

On  XXXX / XXXX /17 I paid my balance down from {$3000.00} out of {$3500.00} credit limit, to {$410.00} out of {$3500.00} ( a {$2400.00} payment ). In addition, I paid an additional {$7000.00} to bring my balance down on my other   XXXX   revolving credit cards. Therefore, bringing the credit utilization % on my credit report down from 65 % to 8 %. However as soon as I paid the {$2400.00} on my Citi card Citi immediately dropped my credit limit from {$3500.00} to {$500.00}. The {$3000.00} drop from Citi in my credit limit now hurts my credit utilization % on my credit score. This is an unfair act that hurt my credit score and will hurt the mortgage rate I want to get for a 30 year mortgage loan.
Complaint sub-issue: Their investigation did not fix an error on your report

I've tried to contact XXXX by phone but it is next to impossible. They've set their phone tree up so they keep referring to their website. I keep explaining and then they reject the reason and won't let me complain after XXXX time. 

They partner will credit companies and I get barraged by emails, letters, phone calls so XXXX can profit from my situation. 

Here are the facts, and what I sent them today. Please help. 

Dear Sir or Madam : I'd like to request a Good Will adjustment to my XXXX discharged loan for the following reasons : XXXX. I took out the loan in XXXX for {$15000.00} while completing a second masters and was told it would be forgiven if I taught in a low-income school. 

XXXX. After I took out the loan, and completed the teaching years they rejected the forgiveness. 

XXXX. I've had deferments and forbearances until XX/XX/XXXX. 

XXXX. I've never made XXXX single payment on the loan. 

XXXX. You say that I didn't have a forbearance in XXXX. 

XXXX. I did fill out the applications for that. 

XXXX. I am XXXX and have XXXX XXXX that would qualify. 

XXXX. I am XXXX. 

XXXX. I'd like to get a car so I don't have to ride a bike for groceries or the hospital. 

XXXX. Please consider this. If this doesn't qualify for the Good Will then nothing else could possibly qualify. 

XXXX. I will request this every day for the rest of my few years left. 

XXXX. I'm not sure about how the loan was transferred or bought out but there must've been a time that I didn't make a payment and the 7 year rule would've applied. I'd like you to research it from XXXX to show me the proof against my dispute. 

Respectfully, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX  ) XXXX
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry XXXX XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Account information incorrect

I use to owe XXXX XXXX XXXX XXXX XXXX. XXXX sold my account to a credit collection agency. I called the collection agency and I paid the collection. So XXXX is now paid in full. I tried disputing with all the credit agencies to take it off and or list it as paid in full in my credit report. It's still reporting negative and showing I owe when I paid it off. After disputing multiple times I called the collection agencies and they stated that when I dispute the account they contact XXXX and XXXX reports negative information. I contact XXXXXXXX and they stated they can only report whatever they been reporting when the account went u to collection. They can't report I paid it. They said they do f have authority to report anything, the collection agency they sold it to has to report I paid the account. I contacted the credit agencies back and they stated when I dispute they don't contact the agency my account was sold to, they only contact XXXX because it's XXXX XXXX XXXX. I uploaded and mailed all agencies copy of my receipt. There are still negative r remarks on my report and it's not stating " paid in full ''. I'm getting the run around and I submitted proof and disputed multiple times.
Complaint sub-issue: Trouble with how payments are being handled

I am an XXXX veteran. I received notification from the American Education Services/AES on XXXX XXXX XXXX, indicating my request for Direct Debit was approved on the following loans. My account number is XXXX. 

1 ) I was to pay {$35.00} a month for 160 months ( expected payoff XXXX/XXXX/XXXX ) on balance {$32000.00} ( interest rate 4.5 % ). This figure included late fees and unpaid interest 2 ) I was to pay {$22.00} a month for 151 months ( expected payoff XXXX ) on balance {$20000.00} ( interest rate 4.5 % ). This figure included late fees and unpaid interest I was also to pay an additional amount of {$66.00} for a total of {$120.00}. I have not missed a payment since the first payment was due on XXXX XXXX XXXXXXXX AES notified Pennsylvania Higher Education Assistance Agency ( PHEAA ) to assume responsibility indicating I defaulted on the loan and that was not true. Apparently my current owner at the time was XXXX XXXX, which has been involved in misallocating student payments. PHEAA is demanding I pay the loan in full immediately. I have submitted documentation, my bank has submitted documentation to PHEAA indicating I have not missed a payment. I no longer have access to my student loans via AES or PHEAA. I was told I would have to refinance and I refused since I was complying with the payment plan. It appears, PHEAA refinanced my loans without my permission for a larger amount adding some type of fee. I continue to make payments via my credit union, these are automated payments. I have submitted several letters to PHEAA and they simply state I failed to submit the appropriate documentation and that is not try. I need assistance on this matter. I am not sure who or what company is behind this matter. Thank you~XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Ally Financial # XXXX is reporting a late to my account that I should not owe. My XX/XX/19 late on this account was a result of a system error on their end, I made my payment online and was told the payment went through, however their system did not actually process the payment until the account was late. This late was not my fault and it needs to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a credit dispute with several credit reporting agencies regarding errors on my credit report I have submitted several disputes and sent documentation to the bureaus and requesting them to provide me with documentation showing proof that the negative accounts reporting on my credit report are valid. I submitted a dispute on XX/XX/2019, XX/XX/2019 andXX/XX/2019 to XXXX, Equifax and XXXX. None of the bureaus did a fair and reasonable investigation, instead choosing to do an automated verification through the computer system. 

They are reporting a negative account of {$400.00} and an account of {$250.00} on my credit report and refuse to give me any supporting documentation to prove these debts and this is affecting my ability to obtain credit, get better employment, my financial goals and the ability to start a business. I disputed the accounts directly with the two creditors and one sent me a letter stating they are not obligated to show me proof which is a violation of my FCRA rights.
Complaint sub-issue: Information is not mine

Numerous times I have let Equifax know that there is a debt on my credit report that is not mine. I filed with XXXX also. XXXX corrected the mistake, but Equifax did not. I sent documents proving that it was not my debt. Equifax never changed the information. It was a situation where my father and I have the same name, but the debt is his. Now because of Equifax , I been turned down for a home loan three times.
Complaint sub-issue: Account status incorrect

This is 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 : XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX  XXXX $ XXXX Opened : XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Please know that I was not late on XXXX XXXX XXXX I wonder why Equifax, XXXX and XXXX  report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2008 in accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Deposits and withdrawals

I received a XXXX APR promotion from PNC for my credit card account. I wrote a check to myself in order to consolidate my credit card bills and went to a PNC branch on XX/XX/2019 to deposit the funds in the amount of {$7700.00}. Funds posted to my account today XX/XX/2019 in the XXXX. I went to pay a bill and at th end of business and PNC reversed the funds and withdrew from my account after it deposited!!!!! Not only did PNC not notify me I almost bounced my checking account due to their negligence. If PNC needed to place the funds on hold from a Regulation CC the bank should have put the funds in a pending status only and not deposited the funds. I called PNC customer service to find out what happened. The PNC credit card department stated they couldnt see anything in my account and to return to the branch which is unacceptable. Removing deposited cleared funds not only is a terrible practice it is a UDAPP violation against me as they potentially caused overdrafts fees on my end for insufficient funds. This is not only unfair but PNC didnt even advise me. Talk about a bait and switch situation. I am looking for asssitance from the CFPB on this matter and no one could assist me today since the branch is closed and apparently when you have escalations such as these no one is there to assist.
Complaint sub-issue: Information belongs to someone else

I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing which are negatively impacting my credit. I looked through each account and none of them belong to me. I did not open any of the accounts listed on this report and I did not allow anyone to open these accounts in my name. I don't know who is responsible for these accounts or who could have opened them with my information since I have never allowed anyone to open any account or loan in my name. I did not benefit anything such as money, goods, services or any other benefit from these accounts nor did I ever make any payments towards them. I am not affiliated to any of these companies in any way and I have never given them access to view my credit file. I have filed a police report regarding all of these unauthorized accounts.
Complaint sub-issue: Funds not received from closed account

On XX/XX/2020 I became aware that U.S. Bank closed a joint account owned by both XXXX XXXX XXXX XXXX XXXX. I contacted the branch manager and eventually the district manager XXXX XXXX to attempt to understand why the account was closed and to receive the remaining funds in the account. I was informed that a certified check for the remaining amount was sent to my fathers address in XXXX, WI however the funds never arrived as of XX/XX/2020. I spoke again with XXXX and he again stated that he would attempt to send remaining funds to my listed P.O. Box,  however as of XX/XX/2020 the funds never arrived. There was a remaining balance of over {$2300.00} and U.S. Bank has apparently refused to refund our funds after numerous attempts.
Complaint sub-issue: Overdrafts and overdraft fees

I have a checking account with US bank number XXXX. A few days ago, US bank deposited the same check I sent TWICE, so of course it was only paid one. And then US bank charged me a {$19.00} check fee?!?. However, they did not charge the fee until I withdrew all my balance, so that way the {$19.00} would cause me to overdraft and then they charged me another {$34.00} to make my account be {$55.00} so they could continue to charge overdraft {$34.00} fee everyday. This is illegal.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2020 I was scammed. I immediately contacted the company and asked them to cancel. They told me in order to cancel I would have to activate the certificate and send them a copy of my ID along with pictures of my debit card. I immediately called my bank and an agent canceled my card and started the dispute process. I responded to the initial request from my bank via fax with all the stuff the company had sent me. Then recently I received a packet from my bank with the merchant information provided to them. The documents contained forged signatures with my name that I never sent to that company. Initially my bank Citi bank had credited me and then onXX/XX/XXXXthey took the money back saying I never responded to their request for additional information. When I called my bank and asked if they had received my email since the I was provided with an email address I could respond to they said oh we dont have an email address I said why would they provide that to me and the agent stated well its an internal email. The call was escalated because I wanted them to pull the information to continue disputing the charge he said they could not! I have been a customer with Citi bank for 14 yrs and have never experienced such poor customer service. I am beyond disappointed and upset at how many times Ive called them and how much time I have wasted. Also the supervisors are not at all sympathetic and have no service recovery experience. It also seems that Citibank has moved their call centers to other countries for cheap labor not caring about their members!
Complaint sub-issue: Account status incorrect

I put my loan into Forbearance under the CARES Act and payment XXXX, XXXX, XXXX and XXXX were deferred. I applied for and was granted a stand alone partial claim from HUDXXXX The account was brought current in XXXX and I made my first mortgage payment again XXXX. Midland Mortgage reported my loans as 90 days past due to all credit reporting agencies, dropping my credit by ~140 points. I have called three times and I have sent 3 emails to get this corrected. Ive received no correspondence.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Great lakes borrowing service keeps emailing me telling me I need to pay but I dont have a job, haven't had 1 since leaving college 2 years ago, and have submitted the deference paperwork to them on their app, it's like they're purposefuly losing it so they can XXXX me more.
Complaint sub-issue: Received bad information about my loan

I was just reading this link about the bankruptcy with XXXX Colleges. XXXX XXXX. There is a section stating that this case does not include federal loans and to contact your servicer for more information and to file a complaint if they do not provide information. I called Genesis and was told that the ruling did not include private loans, only federal loans. I am worried because Genesis sold my loan to another company and they will be handling my payments as of XXXX XXXX, 2015. Am I misunderstanding your link? I was under the impression that Genesis loans were the loans to be reduced 40 %? If they 've sold my loan does this mean they will not have to do this? I feel I was mislead by XXXX. I was only aware of my Genesis loans, not the additional {$26000.00} in federal loans and I can not afford to pay XXXX. That would total {$560.00} a month on my $ XXXX salary. What do I need to do to become part of this?