Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Banking errors

On XX/XX/XXXX, I realized that there was fraudulent activity in my checking account. Someone had stolen my checks, and was cashing them. I flagged this to US Bank, filed an affidavit for each check that was fraudulent ( a total of 5 ), and also completed a police report as well as a written statement. After jumping through all of US Bank 's hoops, I received noticed that I would not be receiving reimbursement ( ~ {$1700.00} ) because I was " negligent with my checks ''. They 're essentially blaming me.
Complaint sub-issue: Reporting company used your report improperly

Dear XXXX There is information on my consumer report that is a result of identity theft. I did not provide written permission for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be block and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

BANKRUPTCY filed XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXXXXXX {$670.00} XX/XX/XXXX XXXX XXXX$600.00} XX/XX/XXXX XXXX - XXXX XXXX  {$300.00} XX/XX/XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX  {$1600.00} XX/XX/XXXX XXXX XXXX XXXX  {$300.00} XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX DEPT OF EDXXXX {$380.00} XX/XX/XXXX DEPT OF EDXXXX  {$1700.00} XX/XX/XXXX DEPT OF EDXXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX {$140.00} XX/XX/XXXX You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. 
Thank you
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021, XXXX XXXX XXXX  VIA CREDCODS  add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
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/2021. And now we are in the month of XX/XX/2021 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. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I received an alert on my credit report from IC Systems and don't know why. No company name listed with six {$120.00} dollar and 2 {$93.00} dollar entry 's with no explantion.
Complaint sub-issue: Investigation took more than 30 days

If you carefully read the documents that I put below you will understand my annoyance with these credit bureaus
Complaint sub-issue: Information belongs to someone else

I reached out to Equifax on XX/XX/21 regarding fraudulent student loans that were defaulted under my name. I am a XXXX XXXX and the government paid for my schooling. I sent them an identity theft report, my ssn card, my id, and 2 proofs of address. They did not remove the accounts, nor did I receive correspondence on why they left 4 fraudulent accounts on my credit.
Complaint sub-issue: Information is not mine

A few months ago I finally took a look at my credit report noticed that I had some negative accounts on there that were not mine. So I immediaitely begin to contact the debt collectors get them to verify this debt they say I owed them and could n't get any real answers. So I then begin to dispute the negative account with the credit bureaus and it was like talking to a brick wall. They would not respond and when they did, they would keep giving me the same answers that they " updated and verified that it belonged to me. This is outrageous and downright criminal in my book how someone can just list things on your credit and ruin your life. I 've tried hard to keep my credit in good standing. Now I have lost job and housing opportunities because of this. I have sent XXXX separate dispute letters to them and its like i 'm just wasting time and money with these people.
Complaint sub-issue: Problem lowering your monthly payments

FedLoan servicing can not provide me with any options for paying my loans. My income is too high for income-driven repayment, but my debt burden is too much to make another {$1000.00} payment every month. I have called countless times to try and work with them, but I just end up going into forbearance. It's about to drive me to XXXX, since my credit score has gone down due to missed payments, and they will not make a Goodwill adjustment despite having kept up with them for the past four years, so my credit score isn't high enough to refinance. I don't know what to do. 

Also, it's disgusting that they along with XXXX encourage XXXX XXXX XXXX to take out this much money when they have no idea what they're getting into.
Complaint sub-issue: Information belongs to someone else

My future employment used a company by the name of Lexis Nexis to do a back ground Consume check and it came back with 2 Judgments and a bankruptcy. I've never filed for bankruptcy. There is a different 1 - Judgement - An XXXX XXXX. I don't owe nor did I apply for one.

2 - Judgement - New York State taxes. The person with these Judgments has my same name and it's clearly not me because the Social Security is a different.

There has been a delay with the hiring process.

Please help me. This is insane
Complaint sub-issue: Account status incorrect

they repossessed my car after one late payment. they switched companies without my knowledge. it was blackhawk financial when i got my loan.it is currently XXXX XXXX XXXX i never got a notice of them changing names and numbers. i had no way of contacting them until i seen their name on my credit report 3 years later. i called when i got their information they said i owed about 4000 witch is  incorrect it was only around 1000. they sold the car to someone else for over what i owed. this is lowering my score. they never sent me the check of notification that the car was sold. they never gave me a chance to relieve my debt. they was very rude and uncooperative. they do not even have the original loan agreement. with my signature. they cant not validate my debt.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting a 30 day late on the XXXX XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I am asking equifax to give me my rights under the federal trade commission fair debt reporting act, title 611. ( a ) ( 1 ) ( A ) ( B ) ( 4 ) ( 5 ) ( A ) ( i ) ( ii ) .I have requested the below listed accounts, be reported pay ststus paid and XXXX balances.as of XX/XX/XXXX by certified mail # XXXX, sent with is 4-1099-c forms/a 1096 form, accounts as follows ; ending accounts number only ; account XXXX-paid XX/XX/XXXX, account XXXX-paid XX/XX/XXXX, account XXXX-paid XX/XX/XXXX, account XXXX-paid XXXX of the accounts need a status opf paid with XXXX balances. -- -- -- -- 4-1099-c forms/a 1096 form was sent to the c.f.p.b. dated XX/XX/XXXX by us mail.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Reporting Agencies continue to report XXXX Collections ( a debt from XXXX ) on my credit report for approx. {$190.00}. XXXX never verified the debt and it should hence be removed ty the CRAs. Thank you!
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2022, I opened an Accelerate Savings Account with Citi. I was responding to an offer to receive a {$300.00} promotional bonus if {$30000.00} was deposited within 20 days of opening the account and then maintained in the account for an additional 60 days. The bonus also required I have a CITI credit card that was in good standing. All conditions were met and Citi is refusing to pay the bonus. They first stated the account was not opened until Monday the XXXX of XXXX. I have a printout of the account number they assigned showing XX/XX/2022, a Sunday. After I discussed that with a customer service representative, they opened a case. The letter I received closing the case stated my account was a basic Money Market account and did not qualify because it was not an Accelerate Savings account. All of my statements from them reflect this account as an Accelerate Savings. I have received similar promotions from other banks and they deposit the bonus as soon as the requirements are met. Citi has now been withholding the bonus and therefore I also have not earned interest on that {$300.00} because they are not upholding their terms of the agreement.
Complaint sub-issue: Didn't receive services that were advertised

I have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. XXXX has been featured in the news as a fraud : XXXX XXXX XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing XXXX as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent company.
Complaint sub-issue: Account information incorrect

all three reporting agencies XXXX, Equifax, XXXX XXXX are reporting erroneously my student loans. They made a change between XX/XX/XXXX and XX/XX/XXXX showing my loans all increased when all loans were suspended and it caused a drop in my credit score of XXXX points. I have recieved notification from XXXX XXXX Department of Education that all my loans have been discharged. I am providing documentation. All my loans should reflect XXXX balance per the attached statement. The agencies are reporting incorrectly this is having a negative effect on my finances. The reports need to be updated.
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX  XXXX XXXX Open Date XX/XX/2010 Balance : {$7200.00}
Complaint sub-issue: Company closed your account

Citibank closed my account with no notice or warning. I received a letter dated XX/XX/19 saying the account was closed due to inactivity. This will impact my credit, and when I spoke to the company they said the only solution was to open a new account which would be considered an inquiry on my credit ( which also negatively impacts credit score ). After having this card for years it does not seem fair that they can close it with no notice.
Complaint sub-issue: Frequent or repeated calls

Called my wifes phone, misled her that it was for a job. 

I called back and phone callers repeatedly did not identify the company they were calling for. Insisted that I confirm my ssn prior to properly identifying who they were and why they were calling. 

Multiple calls with a different person each time, until I spoke with XXXX who said they were with Unifin and that they were trying to collect on a debt. 

They said this was for a XXXX account for {$100.00} and pressured me to pay prior to posting it to the credit bureaus. 

I asked for written documentation as I dispute the debit. They were asked to provide proof of debit ownership, proof of the original debit and who it was for ( company that it was used for ). This was requested to be delivered via mail. 

They then threatened to report it to credit bureaus. I said, I have only ever had one XXXX account, and I just got a refund from it exceeding this. I believe this debit is false and will continue to believe that until they provide documentation for the debit. 

The call was abruptly ended when I declined to pay the debit over the phone for the fourth time.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I did donate {$300.00} to an organization and by mistake they charged {$3000.00}, when they try to return the money back to their merchant XXXX, for the amount of {$2700.00} I never received it and I proceed to place a dispute, after a month my money has not been returned to my account. Than The organization decided to return the total amount of {$3000.00} and he stated that XXXX closed his account, so now looks like the merchant XXXX keeps the money as per Citibank from where my card is issue. I have been calling CITIBANK several times and they keep telling me they don't have the return yet, and asking me to send proof, which i did send. it looks to me that CITIBANK is not willing to help me, After 3 months I dont have a resolution of this matter from any of the merchants involved. please help me to resolve this problem, my charges in the credit card keeps showing i own this money, Thank you
Complaint sub-issue: Attempted to collect wrong amount

I had submitted a complaint against Nelson & Kennard last month due to various totals sent to me to pay, then they told the court I wasn't paying, which I submitted proof I had paid every month since they contacted me in early XXXX. 
As a response to the complaint they sent me the attached, which contains outright lies. I have been willing to pay but I will not pay a company who sends me different letters with differing amounts and then tries to lie in the response letter to my complaint. 
As you will see in my 2 attachments dates XX/XX/21 and XX/XX/21 that they list the SAME file # but 2 completely different amounts, and the only payment made right after was XX/XX/21 was for a small amount that wouldn't account for that difference. Then in their letter, responding to my 1st complaint, dated XX/XX/21 they state that I have 3 accounts with them and that XXXX was paid in full, but that they grouped XXXX & XXXX together when they mentioned the total on the XX/XX/21 letter, but as you see on that letter the ONLY file # listed is XXXX, that is the sole # listed on both of the initial letters. 
Since they said in the attached letter dated XX/XX/21 that the amount I owe on XXXX is {$720.00} then I will pay that. But since they are saying they grouped XXXX into the amount shown on letter XX/XX/21 WITHOUT ever mentioned that file # in that letter I want that amount reduced to {$0.00}, how can I trust a company that can't get their numbers straight?
Complaint sub-issue: Didn't receive enough information to verify debt

I dont know what happens maybe one ore more company use my social security number and my data I never been this company XXXX XXXX never sign nothing and never received document with XXXX account information
Complaint sub-issue: Fee problem

This the note I sent to the office of US Bank office. This is after being denied access by the representative ***SECOND REQUEST*** ESCALATE TO THE OFFICE OF YOUR PRESIDENT** This is my second request. Please remove a {$36.00} from my account. Also I am requesting that my call to your call center at   XXXX   XXXX  . I was treated horrible by your customer service who placed me on hold several times without any apologies and holds lasting over 5 minutes. I was then transferred to a so call manager when I purposely asked not to transfer me. To top it all off I was transferred to an answering machine not a live person. I am going to contact the media as I was made to feel like the  XXXX  passenger who was dragged through an airplane. In addition the Consumer Financial Protection Bureau will be contacted with an official complaint.
Thank y  ou  XXXX   XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor 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: Trouble with how payments are being handled

In XXXX I signed up for PSLF. My loans were transferred from XXXX to Fedloan Servicing and I used an XXXX Award to make a large payment. At the time, I was on an income-driven plan and my bill was for XXXX dollars. When my payments continued to be XXXX dollars, I thought I was doing everything I needed to do. To my horror, it was only years later that I discovered I had been placed in paid ahead status, and the payments I thought were qualifying ... ..were n't. In addition, I never received any communication to re-apply to the income-driven plan and my approval lapsed, I was placed into an alternate plan with no notice. When the mishandling of many student accounts began to hit public consciousness I anxiously checked my own and discovered I was YEARS off track. 

I made dozens of calls to Fedloan and old loan holders to try and figure out what had gone wrong and no one could tell me. After months of being denied my own financial records, I had to put in a request with the State Attorney General to get copies of past bills and qualifying payment counts. When I, at last, received the documents I needed, I was able to prove several inaccuracies, and a 22 payment gap between XXXX of XXXX and XXXX of XXXX was identified as the consequence of paid-head status. 

This is the outcome of deceptive billing practices and horrendous customer service designed to deny students PSLF. There is nothing on the bill to indicate an account is in paid-ahead status. They don't even identify the repayment plan the loan is in!
Complaint sub-issue: Problem with personal statement of dispute

During the time period my student loans became past due, I had been experiencing some inconsistencies/glitches with the AES website that made it unclear what payment was due. I had made attempts to log on between XX/XX/XXXX and XX/XX/XXXX and at times the website showed that either a zero balance was due or only {$19.00}. There were also attempts to log on that resulted in the message Were sorry - an unexpected error occurred. I have attached screenshots of examples of this. This was confusing as I was used to to seeing payment due in the {$250.00} dollar range. I would greatly appreciate the removal of the negative credit reporting that is listed as 60 days late for all 5 of my loans. I am applying for a home loan in XX/XX/XXXX and will not be approved without these removed.
Complaint sub-issue: Funds not received from closed account

Citibank has restricted my account since XXXX of this year. They told that the account will be closed in 60 business days and a check will be sent to me. 
Since then, I've been calling them but I'm not getting access to my account and I didn't receive the check from the account that is scheduled to be closed. XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

These inaccurate account and unauthorized Inquiries are causing my scored to drop and when I tried asking the bureau to remove I did not receive any response even after 30 days.
Complaint sub-issue: Account status incorrect

I am a cosigner on a loan with my son at XXXX. The loan was for a {$67000.00} signature loan taken out in XX/XX/XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex husband and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, XXXX charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 135 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that XXXX took a payment on XX/XX/XXXX and subsequently returned it to my son. XXXX never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

XXXX is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus are still reporting inaccurate items after their investigate.