Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

I originally took out a loan for less than {$6000.00}. I unfortunately defaulted on the loan due to medical reasons. Even though I tried to explain my situation and continued to make partial payments. I ended up using a debt settlement company to help resolve the account. Because the debt settlement company I was using provided false claim as far as resolving the debt. A settlement letter was at least sent to LoanMe. LoanMe was aware multiple times of the financial hardship and my efforts to resolve the case. Now my account has been turned over to a collection agency and the amount owing is {$21000.00}! They stated that the loan is still accusing interest at the original high interest rate even though the account was bought by a third party.
Complaint sub-issue: Account status

I have not received a final response, and it 's has been months since I mailed the attachment dispute and demand. My attachment provides detail information and the law violated by the credit reporting agency. In fact, I have complained to XXXX and XXXX are all practising the same scheme of reporting the same false information and I have complained to them as well. I have also learned that this practice of update consumers report with on time payment to avoid deletion of accounts is being done to my daughter XXXX and my Friend XXXX. I am of the belief this scheme is being done to thousands of consumers.
Complaint sub-issue: Banking errors

I made 3 charges on XX/XX/2022 XXXX XXXX fil a {$69.00} XXXX XXXX XXXX a {$46.00} XXXX {$220.00} These charges were canceled by the merchant and refunded instantly. My bank charged me and did not release the refund the authorization expired instead of being put back it just canceled out to zero. My account was drew into the negative and then they refunded the money they owed me. Theres no account transaction history showing this nor does my back statement show this activity under the bank security act its illegal to not have detailed transaction history for each checking and savings account for 5 years minimum after information is obtained they keep deceiving me and misleading me telling me the funds were returned on XX/XX/2022 also XX/XX/2022 also XX/XX/2022 none of this is XXXX correct because they didnt Return the money to me I have proof and at this point theyre putting me through unnecessary hardships. I want my money back immediately! I also want compensation for the financial hardship Ive endured
Complaint sub-issue: Didn't receive advertised or promotional terms

I received an offer for a credit card from Discover by mail the last week of XX/XX/2019. It stated I was pre approved for 18 % -21 % apr on a Discover It card. I applied and was denied, they then told me I could accept a different card at 26 % apr. They then hit me with a hard inquiry for turning their TERRIBLE offer down. The interest percentage is WAY HIGHER than what I was lead to believe regardless of rates. I've never had a card with an interest rate that high. This is a bait and switch.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit Bureaus to validate this account ( A ). 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$2200.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Complaint sub-issue: Problem with fees charged

My XXXX XXXX XXXX lease end date was set for XX/XX/XXXX. Therefore, I went to the dealership, XXXX XXXX XXXX, on XX/XX/XXXX to purchase my XXXX XXXX XXXX  which I had leased through XXXX XXXX. The dealer quoted me a payoff balance of XXXX to purchase my lease. I agreed to have my vehicle financed. 
On XX/XX/XXXX I called XXXX XXXX  to confirm they received the payoff amount and was advised they received a payoff amount of {$19000.00} which is XXXX less than the amount I was quoted. I called the dealer and spoke to finance manager and was advised to call my new finance company, Mechanics Bank. I called them right after and spoke to XXXX who could not help me in getting my financed amount updated due to not having a copy of my contract. She said s she would follow up with me but never did. 
Today ( XX/XX/XXXX ), I called Mechanics Bank again spoke to XXXX and XXXX. Was on the phone for over 1hr and was not able to get a resolution. XXXX did her best to get someone on the phone who could assist me but had no success. Again was promised a call back.
Complaint sub-issue: Charged too much interest

I made several payments to my Best Buy card in the month of XX/XX/2020 and I noticed they put my payments on hold and unable to get hold of Citibank so I can get theses payments released and I dont have no patience in waiting 7 days at all and the fraud rep told me she can only be on the phone for 5 mins but my bank which is Citibank clear the funds from several payments and best citi refused to contact my bank to verified funds and said they can be on the phone. For 5 mins and they are charging me too much interest on my credit card and Im asking them to lower it or give me a offer since Im going through some hard times due to the cornavirus they had my payment on hold for XXXX I paid from my Citibank account ending XXXX
Complaint sub-issue: Funds not received from closed account

XX/XX/2021 I closed my Citibank account and I have not been sent the remaining funds of that were in the account before it was closed. I have called every month for months until XX/XX/2021 & then I was informed that an employee who works at the XXXX XXXX, CA Citibank made a mobile deposit of the funds. I sent back the notarized affidavit by email on and they claim as of today XX/XX/2021 that they did not receive the affidavit and they closed my claim.
Complaint sub-issue: Investigation took more than 30 days

Hello, I wrote my first dispute on XX/XX/XXXX and did not receive anything back from Equifax and XXXX. XXXX  sent me an incomplete letter ( which i know now it was a stall letter ). I now sent a second round on XX/XX/XXXX.  However, they did not answer my first dispute and according to the Fair Credit Reporting Act that they had more than 30 days they need to delete the information on my credit report. This is hurting my credit worthiness. I do not want the credit bureaus sending a letter saying they are investigating when they have had since XX/XX/XXXX. It is now XXXX and I have yet to receive anything else.
Complaint sub-issue: Account information incorrect

This account was settled XX/XX/2020, however my credit report is showing that I still owe a balance of {$800.00}. I have received a letter from Elan Financial Cardmember service verifying this and I am attaching it. 

My balance is XXXX. I have disputed this before but Elan Financial fraudulently claimed I still had a balance. They also agreed to correct this two months ago, but have not done so.
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 XXXX XXXX Account number : XXXX. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account numbers 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 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: Debt was paid

I was a client of XXXX XXXX XXXX XXXX XXXX XXXX I believe this was over ten years ago, I requested a final bill and when it came I called to make sure all was paid, Now after all this time I am receiving XXXX statements from a company called XXXX XXXX XXXX XXXX not just for XXXX bill but XXXX, XXXX for {$310.00} and XXXX for {$180.00}. they have been noticed that these bills if they ever excessed have been paid, but they wont stop billing and reporting negatives on my credit report. when I requested the remove it from my credit report I was told to pay up and they would report it paid.
Complaint sub-issue: Debt was result of identity theft

Fraudulent account opened using my identity. XXXX XXXX XXXX allowed and individual to open an account using my SSN and address. The account was not paid, forwarded to collection agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Mississippi XXXX, XXXX. I was contacted by security credit services and asked to pay the {$1600.00} dollars. I refuted the charges, explaining I had never opened a lease to open account with XXXX, not do I have any knowledge of the account or anyone would would do so under my name. The collection agency asked several questions regarding name, address, drivers license number, and employer. The information used to open the information such as drivers license number and employer dis to match me information. I was told by the collection agency, someone would contact XXXX XXXX XXXX and inform them of my complaint and information not matching. 

I contact XXXX XXXX XXXX  collections department at XXXX, they confirmed the photo drivers license and employer listed on record does not match. I was asked to complete Identity Theft Complaint and Affidavit, which I did. XXXX XXXX XXXX and XXXX XXXX XXXX continue to report the account as belonging to me, affecting my credit report.
Complaint sub-issue: Debt was paid

I purchased furniture from XXXX XXXX in XXXX XXXX XXXX, Florida. Which it cost {$1300.00}. I put down {$650.00} which only owing {$670.00}. I was at work the young lady did everything over the phone. I didnt sign Lease agreement. Which asked for proof of signature? They wouldnt evening send it to me. They have reported improper information to credit bureaus say I {$870.00}. One I dont owe that because the young lady said 90 days same as cash. Which I thought I was paying XXXX XXXX not Preferred Leasing. Not mention they reported I was late on XX/XX/XXXX when this account has been closed since XXXX of XXXX. Which I will upload all documents. Attached is the document that I received from XXXX XXXX no Lease Agreement. And highland all payments that have been made adding up to {$670.00}. I want this information to be removed and deleted from my credit file ASAP. Thank you
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax and XXXX XXXX XXXX several times. I was asked to submit lease, utility bill, and identification to prove that I didn't open an account. The address that the card was sent to is not my address. My lease states that I have been in my current location since 2016. I want this information updated It is unfair to me to have inaccurate information on my credit bureau.
Complaint sub-issue: Was not notified of investigation status or results

I have sent numerous letters to the credit bureaus in response to some incorrect information found on my credit report to which the credit bureaus or the creditor have yet to respond. My initial request was sent in XXXX of 2021! I have since sent XXXX follo ups to which neither the companies or the credit bureau has responded. This is violating my consumer rights. I would appreciate some help with this matter, thank you.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 I sent an dispute letter and hard inquiry removal letter to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Complaint sub-issue: Right to dispute notice not received

On XX/XX/2016 I checked my credit report and ATG Credit LLC is on my credit report for an unknown account with the amount of XXXX. It states the account was opened on XX/XX/2016 which is a LIE BECAUSE I did n't open any accounts in XX/XX/2016 that went to collections. ATG Credit did not contact me nor did they send me a letter informing of what ever debt this is which violated my right as a consumer to dispute or have whatever this debt is validated. According to the FCRA a collection MUST notify the consumer by letter of the debt to give the consumer a chance to ask for validation to dispute the debt. My rights was violated and I will be seeking to file a civil suit. This account needs to come off my XXXX CREDIT REPORT ASAP.
Complaint sub-issue: Information belongs to someone else

It has been established that you are not interposing 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 XXXXXXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$68.00}
Complaint sub-issue: Problem accessing account

PNC won't let my bank account link to XXXX app. I have used this in the past but XXXX app says PNC won't work with them. This is ridiculous.
Complaint sub-issue: Investigation took more than 30 days

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You 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, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
Complaint sub-issue: Account status

The insurance company is responsible for this charge, I was and presently am a XXXX and medical /XXXX insurance is extended 31 days after separation from employment. I left my job the same month I visited this XXXX office, they are aware of the 31 day extension and refuse to bill the correct party for this charge, the XXXX insurance company. I 've regained my XXXX employment status and hold the same insurance. They sent this account to collections in error. They need to bill the insurance company and remove the fraudulent charge off of all my credit reports, they have caused me a tremendous hardship. 
The collection company has responded to my CFPB complaint and agreed to remove the incorrect information, Equifax is not complying. 
Company responded -XXXX said : Explanation of closure We will remove the account from your credit report to allow you the opportunity to clear up any confusion with your insurance company. 

Equifax is jeopardizing my chances of home-ownership. They also have refused to update my payment information on other accounts after repeated requests on my behalf.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have repeatedly advised Discover that I was a victim of Identity theft and even provided w police report. Discover advised that because their name was not listed they could not use it. The identity theft was brought to my attention due to applying for residence and being denied due to an eviction which led to a judgement being placed on my credit. I found that someone fraudulently obtaining a lease in my name which can be verified with XXXX XXXX and the police report. This led to me pulling my credit reports as I filled a police report and after began closely examining my credit card statements ( as I never did only paid them without looking at the activity ) where I came across alot of fraudulent activity and immediately contacted my current credit card companies as I was still in possession or possibly lost/stolen. I have been hospitalized and then placed in XXXX due to Exacerbation/Relapsing with my XXXX XXXX brought on by the stress of this situation where I loss the use of my hands. I am currently receiving In home Infusions due to the impacts of this stressful situation ( new brain lesions, increase cognitive impairment, numbness etc ). I am tired and will not allow this to kill or permanently impair me. I had submitted emails to them and even talked to reps and NOONE seems to care
Complaint sub-issue: Account information incorrect

Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. 
All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, South Carolina XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. 
There are CHARGEOFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. There are multiple Hard Inquiries on my credit report that are NOT authorized, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX There are multiple Soft Inquiries that are NOT AUTHORIZED : 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 
Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. The Student Loans being reported on my credit MUST be removed. 
Student Loans on credit report is a violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) The school agreed that they will not provide transaction history to any 3rd party.

16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.