Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Don't agree with the fees charged

I am trying to pay off my student loans. My loan servicer is E.C.M.C. I began receiving collection calls in XX/XX/2019 requesting that I consolidate the loans for the amount of {$24000.00}. XXXX, my previous loan servicer, was reporting a lower amount to the major credit bureaus. E.C.M.C can not substantiate the current amount claimed other than to provide they paid a certain amount for the loans. What E.C.M.C can substantiate is the original loan amount of {$10000.00} and payments made in the amount of approximately {$8800.00} on the loans. E.C.M.C asserts that despite these payments, {$22000.00} is still owed. I have requested a settlement but the offers exceed {$15000.00} despite an active wage garnishment in the amount of {$530.00} per month. I wish to reach an equitable settlement.
Complaint sub-issue: Debt resulted from identity theft

I filed a complaint against Home Depot for attempting to collect charges made on my charge account that were fraudulent. Citi Bank sent me a letter notifying me the account was re opened and was going to be investigated. Friday I received a letter from Home Depot stating I closed my claim against them and I have agreed to pay the bill. This is not true. I called the number listed on the letter and stated to XXXX that I did not authorize this action. I filled out the paperwork denying the action and faxed it to the number provided. Today I received a letter from a debt collection agency on behalf of Home Depot / Citi Bank and last Thursday I was contacted by a debt collection company trying to collect this debt. 
We are not finished with my open claim. I did not make the charges. We have an open investigation. I am waiting for resolution of this issue. It seems Citibank is railroading me to pay this debt. 
In closing, this claim has not been retracted and Home Depot did not perform their due diligence. This matter was not looked into, the case was opened and nothing else was accomplished on their end. While under investigation this debt is on hold. I do not NOT make the charges not EVER open this account.
Complaint sub-issue: No notice of investigation status/result

Every time that I ask Equifax to correct my credit report they send me a letter stating that my identification information " does not match our records ''. Each time I send them proof of identification and proof of current address. Equifax uses this tactic to delay or fail to take corrective action on my credit report. Attached are XXXX letters from Equifax asking for the same information over and over -- XXXX from XX/XX/XXXX and XXXX dated XX/XX/XXXX. Please tell Equifax that they can not engage in this subterfuge to delay correcting my credit report.
Complaint sub-issue: Information belongs to someone else

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Complaint sub-issue: Their investigation did not fix an error on your report

The inaccurate information was not updated on my mortgage balance after I sent supporting information indicating the correct balance. 

Balance : XXXX First sent on XX/XX/2020 2020
Complaint sub-issue: Investigation took more than 30 days

i filed a dispute in the beginning of the month of XXXX for items listed on my credit report that is inaccurate i have yet to hear back or receive a response, I also sent the letter certified mail.
Complaint sub-issue: Deposits and withdrawals

I was a customer with XXXX Bank and switched to PNC. I did XXXX  investing with XXXX and wanted to do the same with PNC, but PNC is not allowing me to link my debit card/checking with XXXX. Can this be remedied?
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed disputes with all three credit reporting entities. They have refused to correct misinformation given to them, despite multiple attempts on my part.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I filed a dispute 3 months ago for a transaction double charged. They locked my account with a balance of XXXX now it is at XXXX. For 3 months I've called at least once a week most daily. Offline teams refuses to call and support refuses to give me the contact number for them or the president of the company so I could address it directly myself after 3 months of this hour fight daily with them. I've done and complied with every request they have had as of Wednesday I was hit and destroyed by a hurricane I was actually on the phone with service team and she listened as my home was being destroyed and the fear of us as we thought our lives were ending. I now have nothing left no home no vehicle nothing and I've talked to her since because all never forget that day or the sadness I felt she could listen to my world being ripped.from under me and that voice I'll never forget and still refuses do help me access my money to survive this tragedy. Its sickening to know this company can be so heartless and take from someone who had everything ripped away from them and still.do.nothing to.help.
Complaint sub-issue: Didn't receive notice of right to dispute

Lending Club Bank is attempting to collect an alleged debt that is unvalidated pursuant to 15 USC 1692g, furthermore Lending Club bank gave me no notice of my right to dispute the alleged debt pursuant to 15 USC 1692g ( XXXX ). I am the consumer and the only one that can validated my obligation to any alleged debt pursuant to 15 USC 1692g. I have request that Lending Club Bank cease and desist all communications with me in relation to the alleged debt pursuant to 15 USC 1692c ( c ). I also request that the name and address of the original creditor to whom the alleged debt is owed pursuant to 15 USC 1692g ( b )
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, and I have rights under 15 US 1681 Equifax is governed by 15 USC 1681and they have violated my rights numerous times. I demand these accounts blisted below be removed because according to 15 US 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : 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
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This makes it harder to make credit transactions due to the fact that this had an effect on my credit score.
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, has violated my rights. 
XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, 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 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: Account status incorrect

On XX/XX/XXXX, I submitted verifiable documents to Equifax showing the company by the name of XXXX XXXX was included in my bankruptcy petition confirming plan on XX/XX/XXXX ; which the first dispute is in the file you maintain under my social security number. I attempted to contact them directly to requested that they cease and desist any and all collection activities knowingly of bankruptcy law ; including reporting of this account on my credit reports. 
I was informed between XX/XX/XXXX and XX/XX/XXXX, that the account status closed and the account was resolved by data furnisher. Also, an Equifax credit file confirmation # XXXX Now, I have discovered that the item has been reinserted on my credit report again, as of XX/XX/XXXX, with account status as open and seven ( 7 ) consecutively missed payments appearing on my Equifax credit report. This has made a tremendous impact on my score. Again, I will attach verifiable documents and have the right to take legal action due to : 2. Their reporting is INACCURATE and with INCONSISTENCY. They reported my last payment as of XX/XX/XXXX ; yet, reported ( 7 ) missed payments starting XX/XX/XXXX. INACCURATE CALCULATION. Due to the fact, IF my last payment was XX/XX/XXXX up to todays date XX/XX/XXXX ; it will be 14 missed payments starting from XX/XX/XXXX. INACCURATE AND INCONSISTENT. 

XXXX XXXX is/has reported inaccurate information and Equifax did not properly investigate from the last documentation that was sent. An account included in bankruptcy can not be reopened or any account activity reported direct to credit reports outside bankruptcy laws. 
Equifax, in accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days ( B ) Requirements relating to reinsertion of previously deleted and closed material ( ii ) Notice to consumer If any information that has been hereby deleted or closed from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for the purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/2022 Certified Letter : SENT AND CONFIRM ( 1 ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX letters was sent each to different credit bureaus XXXX, EQUIFAX XXXX XXXX and before send multiple disputesI just received my investigation results. Being waiting for and I saw some accounts were verified. However, how is that possible if the open dates is inaccurate, the date last active is inaccurate and date last report is inaccurate this investigation was executed an very inaccurate way I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed you violated these laws as well : This ground for removal ALSO I HAVE ONLY TWO ADDRESS AND ONLY ONE NAME : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) ( Delete this account immediately, unless you want to pay {$1000.00} per violation ) I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


the law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

i haven't given these accounts written permission to furnish these accounts on my credit report. 

XXXX. Account XXXX : XXXX Account XXXX : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation XXXX. Account Name : DEPTEDXXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Account Name : DEPTEDXXXX Account Number : XXXX XXXX. Account Name : DEPTXXXX Account Number : XXXX XXXX. Account Name : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX Account XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX Name : XXXX  Account Number : XXXX XXXX Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX 11.Account Name : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  ) Account NumberXXXX XXXX. Account Name : XXXX XXXX XXXX Account NumberXXXX
Complaint sub-issue: Account status

EQUIFAX fails to remove the XXXX XXXX ACCOUNT. EQUIFAX reports incorrectly the date of first delinquency of this MEDICAL ACCOUNT. EQUIFAX fails to verify the authenticity of this MEDICAL ACCOUNT. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Complaint sub-issue: Their investigation did not fix an error on your report

At the end of XX/XX/2017, I sent a letter to XXXX XXXX XXXX XXXX asking for a debt validation regarding an alleged debt that was owed. I received a letter and an unsigned contract with my typed name in the signature area. 

However, since this was my first initial contact with this company I noticed that the company violated Section 807 ( 11 ) of the Fair Debt Collection Practices Act that requires a debt collector to inform a consumer in the initial communication with the consumer with the following wording on the letter " this communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' The code refers to this an a mini-miranda disclosure. 

I sent the organization information regarding this fact ( certified letter ), and XXXX XXXX XXXX XXXX did not respond to the letter but sent me a similar letter ( attached ) with another unsigned contract. This is a blantant violation and request that the credit bureaus investigate this matter and if not resolved, that the account is deleted from my credit report.
Complaint sub-issue: Problem making or receiving payments

I can not make online payments through XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted documentation to remove invalid hard pulls off of my credit report and was denied any corrections.
Complaint sub-issue: Information belongs to someone else

While reviewing my personal information due to the XXXX breech and exposure of my identity and personal account information, I found accounts that do not belong to me and were opened without my knowledge or consent. Although I am not sure of the exact date my information was stolen. However, I have contacted all of the credit bureaus as well as filed a report with the FTC. Please see the following account currently listed on my report : I have not signed or verbally entered into any contract or agreement. Someone has gotten my information and most likely opened accounts online thru the dark web and easily obtained goods. 

XXXX - {$2400.00} XXXX - {$7700.00} XXXX XXXX - {$12000.00}
Complaint sub-issue: Problem using the card to withdraw money from an ATM

On XX/XX/2021 I had my unemployment benefits finally uploaded and I have been waiting since XXXX for my unemployment to update ... Bills have been stacking up I simply paid my bills today and now I can't even access the rest of my money in my account because they say I exceeded the daily limit ... XXXX What can I do they say I have to wait 24hrs since the last attempt for withdraw ... Why is there a limit on MY MONEY ....?!
Complaint sub-issue: Banking errors

I have had past problems with US Bank in  XXXX , Nevada with late fees being charged on my checking account. Location of the branch where I first spoke with the branch manager was at  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , NV  XXXX .     On  XXXX   XXXX ,  2017 a c heck #  XXXX  was cashed and withdrawn from my account, there was a remaining balance in my account of {$490.00}, with nothing pending. On  XXXX   XXXX ,  2017 I m ade a deposit from my other  US ba nk account to this bank account in the amount of {$7000.00} and balance became {$7400.00} and also as you will see from the copy of my checking account below there was an overdraft fee of {$36.00} from check #  XXXX  when there was obviously sufficient funds in the account and looking at my online statement balance ( see below ).      XX/XX/2017    Overdraft Paid Fee  XXXX  {$36.00} {$7400.00} {$7400.00}  XX/XX/2017    Deposit View Image {$7000.00} {$7400.00}  XX/XX/2017    Check View Image  XXXX  {$870.00} {$490.00} I went to my branch  XXXX   XXXX  and she told me I had overdrawn but that I would not be able to see that because it was something they could see pending after hours. I then askd to speak with her manager  XXXX  at another local branch and she refused to reimburse the fee so I went to her superior  XXXX  who was nasty and got me irate and defended the fee but could n't show me any proof of what supported the overdraft fee and told me she was closing the  XXXX  accounts I have at their bank and that I could come pick up my cashiers check today. Every  manager  and supervisor including their corporate office could n't show any proof and said that I would n't be able to see what they see on my account. How can I be charged for something pending that they have no proof of and that I ca n't see on my account online or in person. They have done this to me in the past and this was the last straw! I feel t hat US Bank is ch arging me erroneous fees and now retaliating against me for complaining since they are proceeding to close my accounts immediately. I feel that is discrimination as well in the way they have all acted towards my complaint and grouped together and not care about resolving the issue but now saying because I am mad they do n't want my business. As far as I 'm concerned they are stealing my money.
Complaint sub-issue: Didn't receive enough information to verify debt

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed 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. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$830.00}, Original creditor : XXXX Balance XXXX, Original creditor : XXXX Balance {$1100.00}, Original creditor : XXXX Balance {$1000.00}, Original creditor : XXXX Balance {$710.00} are reporting on my personal credit file with ( Equifax/XXXX ) credit reporting agency. These accounts was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Complaint sub-issue: Information belongs to someone else

I've been a victim of fraudulent activity on my credit account that happened to be opening a fraud accounts under my name that doesn't belong to me. 
Date Fraud Began : XX/XX/2021 Amount : {$9200.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I received a copy of my credit report and noticed something from Pro Collect, I sent a debt validation letter via certified mail. The response received did not properly validate the debt. Instead what was received was a final bill showing a XXXX amount due.
Complaint sub-issue: Fee problem

In XX/XX/XXXX, I called Citibank to convert my account to a basic banking account, which I was told would not incur fees as long as I maintained a $ XXXX monthly average balance. This is an inactive account, one that I opened 25 years ago and kept open in recent years mostly so as not to damage my credit score. 

Last week, ( XX/XX/XXXX ) I saw an email from Citibank alerting me that my savings account had a negative balance. I called them up to find out what was happening. It turns out the specialist who had converted my account to the basic banking product left my linked savings account out of the package meaning I incurred $ XXXX/mo monthly maintenance fees and $ XXXX/month overdraft fees. 
The first supervisor I spoke to reversed two thirds of the charges, and informed me I would need to call back to get the rest reversed. He admitted that this was a clerical error on Citi 's part and my linked account should have been converted to the basic product at the same time as my checking. 
All seemed fine, until I called Citi yesterday to reverse the remaining fees ( {$170.00} ) reversed, only to be told this was not possible. While originally I was willing to consider the " clerical error '' that led to the high fees was the result of an honest mistake, my latest interaction makes me think Citibank is preying on customers who are too busy or unable to track their accounts on a regular basis. 
In summary, late last year Citibank had assured me I would not pay any monthly maintenance charges as long as I maintained a balance of $ XXXX/month, but ended up finding a way to charge me $ XXXX/month and refuses to reverse the charges even though they resulted from their clerical error. 
In addition to the hefty fees, Citi has damaged my credit score.