Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have  received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY ITEMS.
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX a payment of XXXX was made on my Home Depot Credit card. The payment was cash and was made at the local home store in XXXX NC. The payments were made in 3 different transactions as the cashier stated that is the only way she could complete. The payments were made on XX/XX/XXXXat the following times XXXX XXXX XXXX autho code XXXX, XXXX made at XXXX XXXX autho code XXXX and XXXX at XXXX XXXX autho code XXXX. I have the original receipts. The payments were never credited to my account. On XX/XX/XXXX I contacted the company and filed on a dispute on XX/XX/XXXX I faxed a copy of the receipts to the Home Depot dispute department as instructed and followed up with several phone calls to verify that the fax was received and was told they had received them. Provisional credit was given to my account while the research was completed. On XX/XX/XXXX I went to the local store and they too called the disputes department and verified the payments. On XX/XX/XXXX I received a letter stating that I had n't supplied significant evidence to support my dispute, not sure what more I can send other than their store issued receipt. On XX/XX/XXXX I contacted the company again and was told they do n't understand what 's going on they will re open the dispute. I have worked to get this corrected for 2 months. I have all the supporting documentation and do n't understand why the company is not only refusing to credit my payments but have negatively impacted my credit which has no late pays or any negative issues as I take great care of my credit and am at my wits end and need some help. I do have copies of the receipts but they are paper copies and can fax the documents
Complaint sub-issue: Can't close your account

I closed my  Keybank che cking account around   XXXX   XXXX   XXXX  . Almost  two yea rs later around,   XXXX   XXXX   XXXX  , I get an overdraft notice from them. Evidently after my account was closed, it was forced open when an  XXXX  autopayment went to that bank in error. I had told my  XXXX  agent I was changing banks. i set up autopayment through my new bank. Evidently,  XXXX  insurance in error withdrew my payment from both  Keybank  and   XXXX   XXXX   for almost  two yea rs and did not find the error until they looked into it.  XXXX  gave me a check for the amount withdrawn from the  2nd  bank which I repaid to  Keybank. T hey still want extensive overdraft and late fees and never notified me of this until the relvolving credit line that was associated with the account reached its maximum ( no letter in the almost  two yea r period to notify me this was happening ). Now  Keybank  tells me   XXXX   XXXX   is responsible for the bank fees assessed over that time frame.  First Keybank said  they would go after  XXXX  for those fees. Now they say it is my responsibility to go after  XXXX . I have no idea who to contact for this matter. I prefer not to work through my  XXXX  agent and deal directly with the correct department.   I do n't know what to do now and have been harassed by debt collection calls from  Keybank th roughout this time frame. I just do n't have a lot of extra time to deal with this working full time til almost the time the bank closes each day. I owe the bank around {$1800.00} per them minus the insurance check I gave them on the cash reserve credit account portion as of  XXXX  and {$79.00} on the checking account portion.  Keybank  account  XXXX . The  XXXX  premium was a life insurance policy. Can you tell me, should  XXXX  pay these fees ( since it was their error that caused all this )? I think it is a bad practice that bank accounts can be caused to reopen once they are closed out ( I had no idea this could happen  ). The  bank account is frozen but still assessing late fees from my knowledge. Any copies you need will need to be forwarded by mail.
Complaint sub-issue: Reporting company used your report improperly

I REQUEST FOR THIS COMPLAINT TO BE REVIEWED BY A HUMAN. 
Please reference CFPB Complaint Number XXXX I submitted my original complaint on XXXX. I received an email notification from CFPB stating that the complaint was closed on XXXX. When I read the reason that CFPB Complaint Number XXXX was closed, it stated that the account was never on my credit report/ and or had been removed. Confused, I called into CFPB and spoke to customer representative XXXX. XXXX read back the information to me on the phone, stating that the account is not on my credit report. Please note that this is incorrect information. 

On XX/XX/2022, I waited to pull my credit reports from all three credit bureaus- XXXX, Equifax, and XXXX. Currently, the account in dispute - XXXX XXXX XXXX  Account XXXX is still reporting negatively on my Equifax and XXXX credit reports. This account is reporting twice ( double jeopardy ), on pages XXXX and XXXX of my XXXX credit report and also reporting on my Equifax credit report. I have attached my current credit reports for your review. 

15 U.S.C 1681c ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any 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. XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681. This company continues to falsely misrepresent that I owe an alleged debt to them to the credit bureaus. I do not now, nor have I ever had a signed written agreement to do business with XXXX XXXX XXXXXXXX XXXX.
Complaint sub-issue: Can't close your account

FOR THE PAST 6 MONTHS IVE BEEN TRYING TO SHUT DOWN MY MACYS STORE CARD EVERY PAYMENT I MADE FOR MONTHS KEEPS GETTING REVERSED MY CREDIT SCORE HAS DROPPED FROM XXXX TO UNDER XXXX BECAUSE OF THIS ISSUE THEY REPORTED THE ACCOUNT LATE EVEN THOUGH IVE PAID IVE SPEND WEEKS ON THE PHONE TRYING TO RESOLVE THIS MATTER I ASKED FOR MY ACCOUNT TO BE SHUT DOWN 5 TIMES ITS STILL OPEN THIS ACCOUNT HAS RUINED MY CREDIT I TRIED TO GT THIS REMOVED MACYS CLAIMED TO THE CREDIT BUREAU THAT THIS IS ALL MY FAULT AND I MISSED PAYMENTS EVEN THOUGH I SHUT THE ACCOUNT AND MADE THE PAYMENTS. 

P.S EVERY TIME I CALL I AM PLACED ON HOLD FOR HOURS THEN THEY HAG UP THAT THEY KNOW WHAT THEY DID WAS WRONG AND HAVE NO INTREST IN FIXING THIS MATTER
Complaint sub-issue: Can't temporarily postpone payments

I was told that the loan was a grant, when I told them that I did not have a job, and I could not afford a loan.After 7 years passed they garnished my wages without any notification.
Complaint sub-issue: Information is missing that should be on the report

After misplacing my original credit card that I had not used in a long time, XXXX insisted that I be issued a new credit card and number. This account number is listed in the XXXX Consumer Report Dispute form that is attached to this complaint. They also required that I make a purchase with the card to 'activate ' it. I did have a single transaction and then waited for a bill. Because of some internal error on their part, I never received a bill in a timely fashion. When perhaps a month had gone by without any bill, I called them and asked where it was. They had not sent it because they said the old credit card had been deactivated, that a bill had not been generated properly, and there was some internal mix up. When they finally sent the bill and I paid it in full, it was recorded as late and reported to all the credit agencies. This resulted in my credit score dropping by about 60 points and damaging my credit for borrowing funds for clean energy improvements for my home including solar. I filed a complaint with XXXX with their Consumer Report Dispute Form. I explained the issue and they have refused to correct their report to the credit agencies including Equifax, XXXX, XXXX and XXXX. Other than this problem, I have no credit card issues, have always paid my bills promptly etc. This was XXXX 's error that I should not be penalize for. I have gone through their system and have not received a satisfactory resolution. I am a senior citizen and I need your help!
Complaint sub-issue: Was not notified of investigation status or results

The bureau have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Complaint sub-issue: Frequent or repeated calls

This has been an ongoing issue, however, today topped the cake. OneMain called me a total of XXXX times today and left XXXX messages. Additionally, my payment was made last week ( XXXX ) which was prior to my due date of XXXX. I feel as though this is an attempt to retaliate because of a CFPB complaint that was previously filed for an unrelated issue. This is not the XXXX time OneMain has called to collect on a debt prior to my due date. Nor is it the XXXX time they have called more than XXXX times in a day. I have even informed OneMain that their collection practices are illegal, however, they have disputed this with me and continue to attempt to collect illegally.
Complaint sub-issue: Account status

I paid my credit card off last year. XXXX XXXX is still reporting that I have a balance on the account. This information is incorrect, it also shows that I was late numerous months. I have disputed this several times with all XXXX bureaus and they refuse to remove it. It shows that I have a balance of {$290.00} as of XXXX/XXXX/XX/XX/2015
Complaint sub-issue: Other problem getting your report or credit score

I pay a monthly fee for Equifax Credit Monitoring. I have tried Numerous times to get an updated credit report that Im entitled to on a daily basis ( per the agreement ). The website will not give me my report. I have called Equifaxs 800 number and spoke to people in XXXX ( totally unacceptable ) who dont have a clue and are useless. The Equifax representatives can not access my report either and they can not Determine why they cant access my credit report or why I cant do it online, Since they can not resolve the issue to get me an updated reports, I want a refund for my Credit Monitoring for 2 months and I want my credit profile fixed so that I can access future credit reports.
Complaint sub-issue: Account information incorrect

I have tried calling XXXX, XXXX, and EqualFax explaining that information is wrong and to fix that they are not reporting the correct information. As I have sent letters asking to verify and fix errors and have not gotten anything fixing it.
Complaint sub-issue: Personal information incorrect

Upon reviewing my credit report, I discovered that XXXX XXXX incorrectly spelled my address, thus as a result, I did not receive my billing statement and was inadvertently late on a payment. As a result of this, this cause severe harm to me as well as punitive damages. 

XXXX XXXX also incorrectly listed my address on my billing statement. Again as a result, my statement was not recieived and my payment was inadvertently late.
Complaint sub-issue: Information belongs to someone else

I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. XXXX  and Equifax are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XX/XX/2020 and accounts are still reporting fraudulently. 

XXXX XXXX XXXX/XXXX  Account # XXXX Amount {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX Amount {$890.00} XXXX XXXX XXXX  XXXX XXXX Account # XXXX Amount {$0.00} XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX  Account # XXXX Amount {$110.00} XXXX XXXX XXXX XXXX XXXX NV XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX Account needs to be completely deleted from account! this was a pay to delete for a settled amount! XXXX has completely removed this from consumer report. It should also be removed because this was a collection account thats reporting as open which is not under FCRA compliance, this is a violation of requisite XXXX XXXX Compliance reporting standards. My dispute letter was sent before they listed it as paid on my consumer report! According to the Fair Credit Reporting Act I have a right to a completely accurate report, and its required to be removed if any information is not true, verifiable, and accurate.
Complaint sub-issue: Information belongs to someone else

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Complaint sub-issue: Account status incorrect

Discover card is invalid I was on during marriage. Other spouse took full responsibility for debt in our signed divorce agreement. I called discover card 1 year ago and they were not helpful at all. They were informed by myself and ex spouse by law I should not be tied to ex spouse debt
Complaint sub-issue: Didn't receive services that were advertised

Im being charged for bills that are unheard of and didnt use my social security number for anything ever I barley obtained and identification card for the first time in 2020 so theres no way they could of had proof of my identity
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Complaint sub-issue: Account information incorrect

the bureaus stated my account was properly investigated but that has proved to be inaccurate seeing as i have accounts reporting on one of my reports and not others and also have incorrect dates and loan amounts as well as inaccurate information regarding funds i recieved and or illegal obtainment of private information also threats of legal action like imprisonment 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 consent 15 U.S.C 1681n civil liability for willful noncompliance
Complaint sub-issue: Information belongs to someone else

I went to co sign for my partner e. car and was denied. I was totally surprised because I have severe.I paid off cars on my credit. I went and pulled my credit and there e.re things on my credit that are not mines. I contacted my local police and FTC. Imm also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. Please remove these items from my credit. I
Complaint sub-issue: Problem with product or service terms changing

Im a co-signer on my daughters ( whos a veteran ) XXXX XXXX account. Prior to the co-signing, my credit scores averaged between XXXX and over XXXX. Now, it has dropped to an average of XXXX to XXXX. Its enough of a drop that in researching to apply for a home modification loan, Ive been told that it will affect the results of a new loan. The credit companies are basing this on one sole late payment, caused by the militarys red tape in adjusting my daughters XXXX status, which is why it was necessary for her to have a co-signer. Why should this be allowed, especially since she hasnt had a late payment for almost 3 years. Is it necessary to affect two individuals lives based on one late  payment? As a recently retired XXXX ( XX/XX/2019 ) it is crucial that I maintain good credit scores, which if not for the one late payment would be flawless. Furthermore, as a Veteran on XXXX, it causes undue stress and hardship on my daughter, as well as on me. The credit companys overzealous action is unequivocally uncalled for, and therefore, Im asking that it be removed from my report, and hopefully, from my daughters.
Complaint sub-issue: Can't stop withdrawals from your account

This account has been bounced to over four collection agencies since XXXX, this case has exceeded California statute of limitations and is trying to be collected against rules and regulations of debt collection policies. I have contacted bank way back in XXXX and explained that they charged me overdraft fees on an account that was closed. Please help with this matter thank you.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

on or about XXXX of XXXX i started shopping around for auto insurance quotes. although i am happy with my current insurer i was just looking around. i was declined by several insurance companies for accidents on my clue report. apparently there is a bodily injury accident among others reported by XXXX  XXXX XXXX for a XXXX XXXX XXXX on XXXX XXXX in missouri a totally different person, drivers license, etc. XXXX XXXX XXXX referred to me to lexis nexis, whom i contacted initially on XX/XX/XXXX and filed a dispute. i have been told several stories from representatives, the recent one on XX/XX/XXXX where the rep stated that that the information could not be deleted until the insurance company responds. yet another representative advised me that if they dont hear from the insurance that the dispute would be ruled in my favor. different rep from lexis nexis and i get a different story. I have never been insured with XXXX  XXXX XXXX, i never lived in missouri nor did i have any accident with anyone on XX/XX/XXXX or XX/XX/XXXX. i keep getting the run around by lexis nexis and the possibility of incorrect information on my clue report places my insurance and premiums in peril. i also sent a written coppy of my dispute on XX/XX/XXXX 2021
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted all 3 Credit Bureaus regarding the reporting of inaccurate and unverified information that they are continuing to report on the credit report file they maintain under my social security. I have been disputing the inaccurate public record Bankruptcy information with the credit Bureaus. 
XXXX conducting an accurate investigation and found the information to be inaccurate and promptly delete the public record from the credit file maintain under my social security number. Please see attachment. 
Equifax repeatedly stated that the inaccurate public record information is accurate and verified through a third party vendor ( XXXX ), which is a clear violation of the FCRA. 
Equifax refused to follow the law that govern its company and continues to report the inaccurate information on my credit file. 
The FCRA is clear and there is nothing to interpret or misunderstand. Each bureau does not interpret the law differently, as the language is clear as to what must be done once disputes are received. 
Equifax repeatedly refused to provide me with copies of any original bankruptcy documentations, which is a clear violation of section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA. 
I contacted Equifax and request a reasonable Reinvestigation. Equifax Refuse to verified/validate the information with the original creditor. 
In good faith, I have made all attempt to have the court verified the accurate information to Equifax. The court stated that it doesnt transmit information to the credit bureaus. Please see attachment. 
Equifax have showing negligent and willful failure to conduct a reasonable re investigate and continues to report this inaccurate information which causing severe damage to my credit report and Fico score. 
Note : I requesting that this inaccurate information be promptly DELETE from my credit report. 
Please note : This is a very serious matter. The inaccurate item must be properly Re investigate, legal verified/validate with proof or remove pursuant to section 611 of the FCRA. 
Thank you for your time and consideration regards to matter.
Complaint sub-issue: Attempted to collect wrong amount

Hi, I have a problem with Crypto Coinbase.. Randomly one day I received XXXX dollars into my coinbase account. I never got an email saying money was deposited anything. it didn't even tell me if I was purchasing crypto. First thing I did was contact live chat support on coinbase 's website, asking how I received the money.. they had no clue.. so I went with it, I thought " well Thank you ''. So I let it sit in coinbase 's account for about a week.. then I wake up XXXX day to XXXX dollars in my account and a fee, it said I need to pay coinbase a fee of XXXX dollars. at the time I was XXXX ( now XXXX XXXX XXXX ) I dont have job, I dont make XXXX let alone XXXX I have contacted Coinbase support for help and they told me its my fault... I didn't do anything wrong, why do I have a debt for coinbase 's doing.. I wasnt the one who did all this, I didnt put XXXX into someone account, they did.. so I started to think my phone got hacked or something.. I reset everything on my phone, Passwords, email, etc. Ive asked them if they can help in anyway. They told me to contact law enforcement. now they will not reply to me at all and I dont know what to do.. Im scared this is a life changing amount of money for me, and I don't want this to go to my credit.. this is emotionally hurting me everyday, I wake up thinking about it and I fall asleep thinking about it.. sometimes i cant sleep because this XXXX hurt.. Where am I going to get XXXX from???. I have begged and begged for help in emails and tried to call coinbase, nothing seems to be working..