Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

On Thursday XX/XX/2022 I received an text message stating that a company located in Michigan was interest in hiring me for a " remote job ''. I quickly responded yes, and an online chat interview was scheduled for that morning. After a lengthy chat, I was told that they would send me funds for office supplies ( computer, desk, fax machine, etc. ). I received the checks totaling {$4700.00}. I used the Bank of The West app on my phone to deposit the checks. Only {$400.00} settled right away. I was told by the person I was chatting with to send the {$400.00} to a " vendor '' for company issued supplies. At the time, I only had around {$450.00} in my account. I had been in an automobile accident two weeks before, 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, I jumped at the chance for a job that I could XXXX XXXX XXXX I had not heard about this scam. Since I was, and still am, inundated with phone calls and email from my insurance and attorney, I decided to open a second account and put the funds from those checks in there so I didn't have any bills pull from those funds until I could go to the bank and make sense of what was going on. I thought something wasn't right, that's why I didn't send anymore money to anyone with those funds. The following Monday ( could have been Tuesday ) I noticed that the funds were being pulled from my account. That's pretty much what I had expected. Then I find out that my account is being closed. I went to the bank and they told me that not only would they not refund my {$400.00}, they were closing my account and I am not able to bank with them anymore. So, now I have no car, no job, roughly {$50.00} out of the {$450.00} that I had left in my account, and no bank. Initially I was told that I wouldn't receive the {$50.00} either if the funds that were taken out from the check didn't cover it. Because I didn't ( and never intended to ) use any of the money from the checks, I got my {$50.00} back. I tried to appeal to Bank of The West to get my {$400.00} back, but they flatly refused. I really need that money to survive. My naivety cost me almost all of what I had in the bank. I complained to the bank on a customer survey, but I know that will just end up in the XXXX XXXX XXXX XXXX  ( garbage ). They gave me the option to have them call me, but I know they won't. They don't have the integrity to do so. DON'T BANK WITH BANK OF THE WEST!!!!!
Complaint sub-issue: Information belongs to someone else

It has been proven that you are not obstructing records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7500.00} ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX : {$920.00}
Complaint sub-issue: Don't agree with the fees charged

Hey, I saw you were taking action against the Great Lakes Loans company. Though going to CCC, I've accrued a total of XXXX dollars I. Student loan Debt and PLUS loans. My PLUS loan payment on the REPAYE program is around 697 dollars, which is low compared to the previous cost of XXXX. I find these payments to be insane. I was wondering if my case could be submitted intl your lawsuit.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

After reviewing XXXX  credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit. Accounts display no payment history, nor updated information.
Complaint sub-issue: Account information incorrect

On my account it says i have missed a payment but i have never missed a payment. I only had a late payment and my credit score lost a couple of points because of it.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax was asked by myself and XXXX card to remove 5  hard inquiries off my credit report. I sent the letters I recieved from XXXX verifying this request. There are two letters from XXXX. From this date X/X/17 they have not been removed. We started this process in XXXX of 2017. I am demanding the removal of these items on the forms attached.
Complaint sub-issue: Debt is not mine

In XXXX, my family began using XXXX sell phone service until XXXX XXXX. That was no contract service with easy pay in place. 
After we changed the mobile phone provider with XXXX wireless, XXXX did not stop to charge my wife 's credit card for XXXX /months. I e-mailed XXXX and they stopped the charge. 
On XXXX/XXXX/XXXX, I received a letter from " Enhanced Recovery Company LLC. '' three months after they reported it to the credit bureau. The debt is not mine and this damaged my credit score tremendously. This cost me to have higher payments and interest fees. This needs to be fixed in a quick manner.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX I made arrangements with XXXX Attorney to settle two accounts I had with them. 
XX/XX/XXXX, Both accounts were settled in full. Account # XXXX was settled for {$1200.00} and Account # XXXX was settled for {$900.00}. 
In return, XXXX agreed to my reports being updated to settled in full with a {$0.00} balance. I have called and emailed them numerous times but with no luck. 
I reached out to Equifax and put an investigation in with sending proof of accounts being paid but to this day, on XX/XX/XXXX Equifax is reporting that I owe over {$4000.00} on this account with 30, 60,90-day late  payment. I sent Equifax the proof that these accounts were settled and they were to investigate but they are still reporting incorrect information.
Complaint sub-issue: Account information incorrect

I have continued to dispute this account because I do not owe any money on this account. The credit bureaus have failed to properly investigate it and delete it from my credit. I am asking for this account to be deleted because I do not owe any money.
Complaint sub-issue: Can't decrease my monthly payments

XXXX XXXX, XXXX NJSince I have XXXX in XX/XX/2012, I have not make enough money to pay off my monthly student loan payment, which has led to them being in default. 
I am currently looking into different banks that could help me by consolidating my private student loans, but my credit is horrible. I need help!, because I am willing to pay just not at a high monthly price.
Complaint sub-issue: Debt is not yours

The following accounts dont belong to me. Each company have failed to provide proof, and still reports inaccurate on all 3 credit reports. I would like them removed as soon as possible because I have no knowledge of these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

Bureau of Account Management is attempting to collect a medical debt ( {$85.00} - XXXX 2015 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is Bureau of Account Management fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all 3 credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.
Complaint sub-issue: Information belongs to someone else

I sent in a letter regarding unauthorized inquiries on my account.
Complaint sub-issue: Account status incorrect

We received a notice from XXXX XXXX in regards to my wife 's insurance score having a negative effect on our insurance rates. They use XXXX and/or XXXX XXXX to determine credit history. ( See attached notice from the insurance company - XXXX XXXX. ) It seems as though there are 4 specific negative factors as outlined by XXXX XXXX. I would like someone to please investigate 1-3 as shown with my questions/responses below? 

1. Number of Retail Accounts - I see one maybe two retail credit cards that are currently open on my wife 's XXXX report provided by XXXX XXXX. Are they saying she has too many or not enough? Two retails accounts seems totally appropriate to me. 

2. Lack of information reported on oil company accounts - Our oil company doesn't report to credit bureaus and as such we should not be penalized for this. We pay our oil as a cash price, up-front. We have never had a revolving or installment account with our oil provider. 

3. Number of inquiries with finance companies within last 24 months - The hard inquiries in XX/XX/2016 were done within the same month ( XX/XX/16 & XX/XX/16 ) and as such, those should be counted as one inquiry. In fact XXXX ( the company that XXXX uses for the XXXX ) created a webpage covering this very topic below : https : XXXX Thanks for forwarding this onto the appropriate people at XXXX XXXX , XXXX and/or XXXX XXXX.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/XXXX while XXXX with the XXXX XXXX, I contacted CITI about a 30 day late notice that was reported to the credit bureaus. The 30 day late notice was reported to my credit on the month of XX/XX/XXXX ( XX/XX/XXXX ). This was during a time where I had limited internet access and could not make payments to my account. Mobilizations while XXXX are coming and I was without reliable internet for almost 2-3 months. I contacted CITI for a courtesy removal/ hardship removal of the notice from my credit report on XX/XX/XXXX. I was told by the representative that this should be approved and there should be no problems with my request. 

I called at the beginning of XXXX and found that on XX/XX/XXXX CITI had approved my claim and that it should be updated on the next statement. My statement period ended XX/XX/XXXX and the 30 day late notice was still on my account. I called XX/XX/XXXX three times and was told all of those times that the request was approved and that I would have to wait 30-45 days for it to be removed from my credit. I even spoke with a manager who requested a letter on my behalf so I could prove to my loan officer this notice would be taken off my credit report. At this point I was told by multiple people including a manager that this problem would be resolved, with one who proposed a resolution letter for me. 

I contacted CITI the very next day and was told that the request for the late notice to be deleted had been denied since XX/XX/XXXX. Even after I had received information that it was approved by multiple people. He told me that even though Im XXXX and had no access to internet and my account shows that I am under XXXX the minimum payment should have been made, which is understandable.Although, this is showing no loyalty to those overseas serving their country who run into such situations. Moreover, why was I told incorrect information, and waiting for an issue to be resolved while getting wrong information on multiple occasions. This lack of correct information is going to cost me approximately {$7000.00} in interest for a mortgage I am preparing to close on. 

I would like to see the initial promise of this notice being removed from my credit report upheld. I have also complained to the XXXX and my next step is contacting a JAG through XXXX legal if this is not resolved.
Complaint sub-issue: Information belongs to someone else

Hello, I just figured out recently that I have item in my credit report that is completely not mine. I believe I become a victim of identity theft someone took my personal information and filed this account. I got crazy to see it suddenly appeared. Look I want you to help me because its not fair and I am not connected to this transaction or charges or whatever! I am getting married soon and I need to have good score and good picture for family plans, thank you for understanding and I hope you will help me and remove this item as soon as possible. 
XXXX  In case of questions please contact me directly )
Complaint sub-issue: Information is missing that should be on the report

There is an account showing on my credit profile from XXXX XXXX XXXX that violates my rights and has continuously caused me financial harm over the last 18 months. Attached with my complaint you will find a copy of the XX/XX/XXXX letter sent to XXXX XXXX XXXX requesting specific information regarding this account. 

I informed XXXX XXXX XXXX that under the laws of South Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS.

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL It has been past 30 days and GXXXX XXXX XXXX has failed to provide the requested information. On XX/XX/XXXX I directly disputed this account with Equifax, XXXX and XXXX. Attached is a copy of the letter sent to each of the credit bureaus asking them to reinvestigate this matter on my behalf and to send me a copy of all documentation received from XXXX XXXX XXXX  They have failed to provide me with the documentation. 

I am now asking the CFPB to intervene on my behalf and demand the credit bureaus deliver said documents or remove the erroneous information from my credit profile.
Complaint sub-issue: Information is missing that should be on the report

In XX/XX/XXXX, my then fiance and I got a home loan from XXXX. It was a 7 year, interest only loan, with escrow for taxes, homeowners insurance. XXXX XXXX XXXX took over the loan in XX/XX/XXXX, I think. The paperwork only had my name on the loan. I brought the original court stamped documents to The mortgage department of XXXX XXXX XXXX. They refused to correct their mistake. Fast forward XX/XX/XXXX.  My fiance and I broke up. I hired an attorney because my now x who was still living in the home refused to agree to sell the home. And split the equity. We went to mediation, where, upon my moving out, I would get {$20000.00} and he would attain his own mortgage within 6 months. I had put a $ XXXX down payment on the home, but agreed to the $ XXXX just to get away from him. In XX/XX/XXXX, the loan converted to an arm. Homeowners insurance with Florida XXXX was part of escrow. Each year, from XX/XX/XXXX to  XX/XX/XXXX, the annual homeowners premium increased and XXXX XXXX XXXX never increased the escrow. I requested an annual annalysis. Instead, after they paid the shortfall for the insurance, XXXX XXXX XXXX began reporting the mortgage payments as " late ''. That continued to be reported on my credit until XX/XX/XXXX, when the home was sold by his family XXXX year after his death. Oh yes, and 1.  They never told me he died, and 2. They stopped paying the mortgage after he died. In XX/XX/XXXX, his son paid the back mortgage. XX/XX/XXXX, the home was sold, for a profit. I received an additional $ XXXX. Here is the rub. In public records, it shows the mortgage was satisfied. In both of our names. By XXXX   XXXX XXXX. I am trying to fix this misjustice. My credit is under XXXX. 3 years of late payments on a mortgage!. My lawyer couldnt help me, except I paid two lawyers over $ XXXX to help prevent these issues. My x should have done what he aggreed to, get his own loan. He honestly could have bought the property outright. XXXX XXXX XXXX should be responsible for this. I paid a 7 year interest only loan. Over $ XXXX. With the arm, and with the escrow agreement, they were obligated to increase my escrow so there would not be a shortfall. Please tell me what can I do.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I have been out of work since XXXX XXXX and have been trying to receive a consistent amount of social security benefits. I had a membership at XXXX XXXX XXXX, XXXX and the contract period has been fulfilled. I was on a month-to-month membership which I attempted to pay when I had money. 

I found out that there may be a problem when I received a solicitation letter, dated XXXX XXXX, XXXX, from law firms who were offering to represent me in a lawsuit that was filed by XXXX XXXX XXXX, XXXX. Since this was news to me, I went to the facility at XXXX & XXXX XXXX, XXXX, NE to talk to the manager to find out what was going on. I spoke with a person who identified herself as the manager. I showed her a letter from a lawyer and asked if XXXX XXXX XXXX had filed a lawsuit against me. She looked up my records and informed me that the account had been turned over to a collection agency. She assured me that there was no lawsuit filed against me. She did not allow me to remedy the overdue account since the account had already been referred to a collection agency. I did not pursue the matter any further based on her assurance that there was not a pending lawsuit. 

In early XXXX XXXX, I received a summons that was dated XXXX XXXX, XXXX notifying me that XXXX XXXX XXXX, XXXX was suing me for {$210.00}. There was a yellow sticky note on the front of the summons with the name XXXX XXXX XXXX XXXX. The officer who delivered the summons informed me that the lawsuit was pending and I should contact XXXX XXXX XXXX. 

I called XXXX XXXX XXXX to find out what was going on and was told that they had sent a letter to me on XXXX XXXX, XXXX. In that letter they told me that I had 30 days to dispute the claim or resolve it. I informed them that I do not have a record of receiving a letter from XXXX XXXX XXXX. I was told that, since the letter was not returned, they presumed that it was delivered. 

I did not know that XXXX XXXX XXXX had canceled my membership, did not know that they had referred the account to a collection agency, did not receive any correspondence from XXXX XXXX XXXX, and initially found out about a lawsuit from a lawyer solicitation letter.
Complaint sub-issue: Billing problem

I purchased a XXXX XXXX XXXX wiith financing through Ally. My monthly payments were XXXX ( est ). i began paying XXXX since XX/XX/XXXX and haven't been late since XX/XX/XXXX and have gotten to where I have XXXX due for months but continued XXXX make payments. Then when I chose to not make a payment. They send a bill for a regular payment. I was curious as to why my XX/XX/XXXX statement had the same remaining balance as my XXXX XXXX had a statement/letter sent back in XX/XX/XXXX and have not received a response yet. I have however continued to make my monthly payments but I haven't received any invoices with as I was before. Nor have I heard anything from Ally in regards to this matter
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

you wrote to me this bull. for complaint XXXX-XXXX Dear XXXX XXXX, we received the complaint you submitted through the CFPB Portal. Please note, the address that you have provided is not reporting on your Equifax Credit File and correspondence is not able to be sent to you until we are able to confirm your current mailing address. In order to update your mailing address please provide one of the following documents in order to update your mailing address : you have my address same address for 40 years here is my address from your latest report you sent me this is what you are getting for proof of address and thats all you are getting this is my address the same that XXXX  AND XXXX HAS so do you no need to update address
Complaint sub-issue: Information belongs to someone else

I recently checked my credit report and i noticed several accounts that are not mine. I have had my personal information stolen in the past but i never noticed anything until i checked my credit i will list the fraud account below 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 XXXXXXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX XX/XX/1990 last XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

In XXXX of XXXX my XXXX XXXX XXXX was repoed by Ally Financial for delinquent payments. During this period I never recieved any paperwork or breakdown of what they had resold this vehicle for. XX/XX/XXXX I recieved a call from XXXX XXXX about the debt that I had with Ally Financial. XXXX XXXX and myself had settled on a contract of XXXX dollars and monthly payments of XXXX dollars every eleventh of the month until I recieved my taxes to pay of the remaining settlement. XX/XX/XXXX I called to make my usual monthly payment and was told I my account was locked due to a new law that was put in placed. I was advised to call the week after to resume payment. I called multiple times until I got a XXXX XXXX who explained to me that Ally Financial had placed a hold on my payments because bthey were not satisfied with the settlement amount. She stated that none of this was my fault and that I would gain no extra interest charges and would still be able to continue the same monthly payments. She stated that she would contact me with further assistance once they had everything taken care of and that my balance was down to XXXX dollars. 

In XXXX, XXXX I recieved a call from XXXX XXXX XXXX, saying that I was deliquent on my payment since XX/XX/XXXX and that I owed XXXX dollars. I stopped them and explained to them what had happened and told them that I have a settlement contract and they said thats something they cant uphold. I contacted Ally Financial and they stated how they took my debt and gave it to another creditor because they didnt like the settlement amount. When I asked to speak with a XXXX and be mailed the breakdown of what my car was sold for I was constantly transferred and hung up on.
Complaint sub-issue: Information belongs to someone else

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN UP SEVERAL ACCOUNTS IN MY NAME.
Complaint sub-issue: Information is missing that should be on the report

I have asked the credit bureaus to update my XXXX XXXX # XXXX account. This account is not in deferment and should be reflecting my full payment history. I have not missed any payments. There are several months of missing payments. Because my monthly payments are not reporting it's affecting my credit score. All 3 credit bureaus have almost a year of missing payments.