Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

I went to XXXX XXXX XXXX XXXX us bank XXXX officially that must account close I say why! They don't tell me what happening and other bank block. Frustrated also they are bitclose account yet I say give me money the. They say XXXX no and feel like I am victimized I know this is set up for XXXX XXXX money I am fed up since 6 month call me XXXX sometime email block so I. XXXX
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. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX Services # XXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX # XXXX XXXX Account name : XXXXXXXX XXXX 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: Didn't receive enough information to verify debt

I have reached out to this company many times and have not received anything. They say my complaint " deemed frivolous or irrelevant ''. Which I find disrespectful and deeming to me as a person. I sent an email for two individuals on the executive team to discuss the situation as the person who responds to these complaints is not professional and talks down to me as I am stupid. I have requested contact from the company with no response other than just applying it to my credit and destroy my livelyhood.
Complaint sub-issue: Information belongs to someone else

There are two accounts on my credit report that do not belong to me they are not mine I haven't applied signed or used these accounts or know what they are for or who they are for. 

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

I filed my complaint and lexisNexis wanted me to send in a copy of my driver license and a bill and I did and I got a letter stating they are unable to verify my identity. I am sending a copy again for the 2nd time. 


I have several fraudulent accounts listed on my credit report. I have listed them and also the police report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANKRUPTCY XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

On XXXX XXXX, XXXX I submitted a dispute with Equifax to XXXX XXXX that the bill {$620.00} has been paid, XXXX shows it paid in full. XXXX  XXXX even says the bill has been paid. 

On XXXX XXXX Equifax sent me the results of the dispute showing that I STILL owed the total amount. 

On XXXX XXXX I called XXXX XXXX to see if they sent info that they were paid in full to Equifax, they said they faxed the info to Equifax on XXXX XXXX stating the account had been paid in full. 

On XXXX XXXX I 've been trying to contact Equifax about getting the acct to show paid in full and ca n't get through to anyone or their online is down for maintenance.
Complaint sub-issue: Other problem getting your report or credit score

To whom This XXXX concern, I, XXXX XXXX, am writing this complaint with a sound mind. As of today XX/XX/2022, I am still unable to view my credit report with Equifax. 

I have called multiple times to get this error resolved and have received the case numbers below : case no. XXXX confirmation no. XXXX Each time I call I am advised to upload a copy of my ID which I comply and they make the promise to fix the issue and send the credit report. 
I have not received any follow-up in regard to this matter and this is a hindrance to my monitoring my credit report. They have promised to send me a copy of my report and I have not received a copy of the report yet. 

Please note that I have attached my identification. Further note, that the identification list my address in which has been verified by the phone reps. I have also attached a screenshot of how it looks when I access Equifax via online.
Complaint sub-issue: Received bad information about your loan

I XXXX XXXX entered into a consumer credit transaction with the U.S. Department of Education on or about XX/XX/2015, and not with Great Lakes who is an uninterested third party. This consumer credit transaction included a finance charge, pursuant to 15 USC 1605. A finance charge is the sum ( total ) of all charges in a credit transaction. Pursuant to 15 USC 6802 U.S. Department of Education never disclosed to me that I had the option to opt out of being reported in which is a violation of 15 USC 1681. I do not owe this debt, I am a consumer who is not obligated to pay this pursuant to 15 USC 1692a ( 4 ) and 15 USC 1692a ( 5 ). The U.S. Department of Education & Great Lakes are debt collectors pursuant to 15 USC 1692a ( 6 ), they have used instrumentality of interstate commerce and mails in the business principal purpose of which is the collection of debts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Information belongs to someone else

The information listed on my report is unknown. Its stopping me from having a place to live. 
XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX 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 ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX   XXXX ARE IN VIOLATION OF MY HIPPA RIGHTS UNKNOWN INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Fees charged for closing account

I closed a checking and savings account with PNC BANK XXXX XXXX and while i was closing the account XX/XX/2021 the bank account charged a fee of {$40.00} which was then waived. PNC Bank however is attempting to report my closed accounts to a consumer reporting agency. I spoke to PNC bank directly that has assured me there is no pending balances or unpaid charges on the account. The account numbers are XXXX and XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I have contacted the company IC System , Inc., XXXX XXXX XXXX XXXX  XXXX, MN XXXX on multiple occasions to verify the ownership of my debt & they do not provide the verification, instead they continue to report to the Credit Bureaus that the account is in collections. I dont have an account with XXXX  XXXX  and I want the account verified and removed from my credit report.
Complaint sub-issue: Problem during payment process

My bill is due on roughly the 5th of every month. In XXXX, I made a payment on the XXXX and another one on the XXXX. The one on the XXXX was for the amount due on XX/XX/XXXX, and the one on the XXXX, made after the previous bill was due, would then be for the amount due in XXXX. Best Buy applied both of these payments to the bill due on XX/XX/XXXX, and then charged a late fee, and potentially interest on the " unpaid '' amount that was due on XX/XX/XXXX. I have called them, and spoke with a rep named XXXX, and they can not assure me that the late fee would be waived, and have said that they can not apply the payment from the XXXX to the bill due on XX/XX/XXXX. I have made payments on time every month, including for the one due XX/XX/XXXX, and I believe that this business has not acted ethically even though I have upheld my responsibility every month. Additionally, they have said that this could affect my credit score, which seems completely unethical considering they've received their payment already. Additionally, I have paid more than the amount due each month. This business needs to be held accountable so they are not allowed to do this to other customers as well.
Complaint sub-issue: Frequent or repeated calls

I  am a  XXXX  and did a job for an insurance company where I had to invest my money on materials and labor. The insurance agency has a 30-45 day pay time frame which was explained to me after the fact. Well I have fallen behind on my payments to Conns here in Texas. Granted I have been a loyal costumer for years. But they have been calling me 16-23 tim es  a day for 2 we eks now. For a payment of  XXXX  $ I have repeatedly asked for more time until I finally had to talk to  a manager. I was shocked at the level of profecional ethic this rude man had. He was rude to the point where I hung up  on him and the calls just got worse. Now theyre blowing my phone up more and more with each passing day. As soon as I get this check, they will be the first people I pay off. I was trying to build credit by purchasing a few items from their store but that was a big mistake. Thank you for your assistance and  XXXX   XXXX .
Complaint sub-issue: Account information incorrect

Equifax ; XXXX and XXXX are reporting incorrectly that I was late in XXXX, XXXX, XXXX, XXXX and XXXX, XXXX on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) I was dealing with significant health issues and contacted XXXX XXXX and spoke to an account manager and they agreed to lower my APR to 4 % and set-up my monthly payments on auto-pay. ( I have also attached statements for XXXX, XXXX and XXXX for reference. ) We negotiated this payment plan starting in XXXX. I had never missed any payments. I was told that with this payment agreement, no lates would be applied to my account. Unfortunately, XXXX XXXX did not honor our agreement and continued to report this account late. This false reporting of lates is seriously harming my credit score and these line items need to be removed and/or updated to report no late payments. I have contacted XXXX XXXX as well as the bureaus to fix my credit report however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

SHOWING INACCURATE INFORMATION THAT VIOLATES MY RIGHTS
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I disputed all 3 credit Bureaus via postal service on account with XXXX XXXX account number XXXX asking for verification not validation of this debt because of its inaccuracies. It is my complete understanding that a debt placed on my personal credit report should be 100 percent accurate and verifiable at all time and must match. All 3 responded as the debt had been verified. I then sent another dispute to the credit bureus via certified mail on XX/XX/XXXX and the same response was given the debt was verified. I contacted the XXXX XXXX for documents and I havent received a response to date. I then filed a complaint with you all please see complaints # EQUIFAX-XXXX XXXX XXXX Most I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this tradeline, and the results came back either verified or updated ''. There are several inaccuracies across all three credit reporting agencies. I have attached copies of the reports that they are each reporting. i would like justification on what method of verification they used and why they are allowing these inaccurrates to continue to hinder my life. I am filing with the attorney general on XX/XX/XXXX and preparing for a lawsuit. As i have a solid paper trail of these discretions.

*open dates are all conflicting *XXXX is even claiming a payment of XXXX was made? How is that when its a charged off account. Which makes them all have incorrect balances? 
*Charge off accounts are acknowledgement that the debt is uncollectable and lets the IRS give a tax credit. So the balance would be XXXX. Each report is reporting a balance whether wrong or not. 
*HOW CAN A CHARGED OFF ACCOUNT THAT SHOULD BE REPORTING XXXX SHOW A PAST DUE BALANCE AND A BALANCE AMOUNT? 
That is clear vioation of myrigthts as of the consumber law 623. which states that Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. 


DELETE THIS UNVERIFIED ACCOUNT
Complaint sub-issue: Debt is not yours

In XXXX Jefferson Capital had a debt on my report that was not mine. I disputed it and it was removed from my reports. As of XX/XX/2022 it appeared again, I asked them numerous times to correct their mistakes. And because of their errors my credit score has went down. Please remove it.
Complaint sub-issue: Account information incorrect

I purchased a van through XXXX XXXX XXXX in XX/XX/2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX, this collection agency sent me a letter or statement to my house. I called them yesterday I informed them that I resolved this several years ago but they dont give me a clear answer. 

XXXX XXXX, XXXX this collection agency I call Them yesterday. I let them know that I dont owed any rent in this Apartment Community this was resolved several years ago. But she dont want to listen to my explanation. All she said give me your credit card.
Complaint sub-issue: Company closed your account

This Company closed my Personal and business bank account I have no idea why and its affecting me from getting new Bank account with any other banks and I would like to resolve this
Complaint sub-issue: Their investigation did not fix an error on your report

On ( XX/XX/2021 ) please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the account and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Complaint sub-issue: Information belongs to someone else

There are currently numerous items listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.
Complaint sub-issue: Reporting company used your report improperly

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

XXXXXXXX XXXX XXXXXXXX Paid as agreed. 
XXXX Paid as agreed. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

You are also in Violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.I am in fact a consumer and never gave you written permission to furnish these accounts on my consumer report. I DEMAND you to remove asap. 


XXXX XXXX XXXX XXXX XXXX XXXX, 2020 Remove from my report
Complaint sub-issue: Account status incorrect

In XXXX Academic year, I was XXXX XXXX XXXX XXXX with proof of transcripts from XXXX XXXX college and XXXX XXXX college. wherefore the the 90/120 Days delinquency should be remove as matter of law under Federal Truth In credit billing act with foreberance in place as a protection and suspension of payments. 

The statute of limitations for reporting XXXX and XXXX 90/120 days late has also expired. Must all be delete immediately.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter to the credit bureaus regarding several inaccuracies that was on my credit report. This maybe due to my information being compromised in the Equifax Data Breach.I have asked for a resolution and have yet to receive a response. It has been more than 30 days and i feel as if my concerns are being ignored by these bureaus. I understand that in Section 611 ( a ) states, failure to investigate these items within 30 days give reason to immediately remove the items from my credit report. It has been 30 days. I demand these accounts be removed immediately or I will file for litigation.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a replacement battery for my computer on XXXX using my credit card. The battery did not work. I requested a refund or return from XXXX, but XXXX refused. I disputed the charge on my card, but Citi said I had to pay for the defective product anyways. I refuse to be taken advantage of by Citi for this. This is outright fraud and theft.
Complaint sub-issue: Personal information

Incorrect address on my Equifax credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX
Complaint sub-issue: Public record information inaccurate

I've tried contacting Checkr through phone and email. Their phone is useless since it doesn't take calls. Their email just sends the user to automated response. This company is reporting false information about me. They need to take responsibility for their actions and fix this. I'm appalled that any business would use this company to gather information. What a joke.
Complaint sub-issue: Problem getting my free annual report

Equifax sent me a letter saying I need to provide driver 's license information, SS stub, copy of social security card, utility bill with current address. 

Most importantly they have my the middle initial of my name wrong on the letter to me. When I submitted the form for free credit report my application information was all correct including my name which Equifax got wrong. 

I am not submitting additional information to Equifax since they did not record my name correctly using the wrong middle initial. Besides, both XXXX and XXXX did not request additional information to receive a credit report which is useless to me because it did not contain information about my credit but included information on a credit card provided to me as a courtesy from a family member which I rarely use.
Complaint sub-issue: Talked to a third party about my debt

Had a car repo in ( i think 2007 ) drive time called my brother in law told him there was a warrant for my arrest. Called me with this info, i returned call and it was a bill collecter. I advised i am on ssi XXXX. Collecter said if i dont pay by tomorrow they will take me to court and garnish my ssi.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts were opened fraudulently after I put freezes on all 3 Credit bureaus. I also have a Stolen Identity Report.
Complaint sub-issue: Their investigation did not fix an error on your report

I am the victim of an identity theft where a credit account for {$4000.00} was opened using my information. Part of the false info used indicated I lived in the State of Indiana. I have never lived in Indiana, and I have significant proof of my residency. I filed a police report for identity theft and notified the creditor of their false account using my stolen identity. I also notified all three credit bureaus and provided sufficient proof that the account in question was fraudulent. XXXX has ignored the evidence and is still assessing ownership of this fraudulent account to me.