Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

XXXX XXXX Account # shows XX/XX/2019 and XX/XX/2019 as 30-day late payments. This should be changed to paid on time. 

I attached a letter from XXXX XXXX stating that I have no late payments with the company.
Complaint sub-issue: Used obscene, profane, or other abusive language

Abusive language/tactics : Lying and manipulation are abusive forms of communication. 

" US Bank '' won't respond and coordinate to provide information to the CFPB, BUT they can monitor the complaints and find a way to send " false information '' directly to the person complaining.

The investors working behind the US Bank name " front '' are FL Bar Attorneys who block, hinder, interrupt and sabatoge ANYONE who makes the slighte
st attempt to avail their legal right to obtain justice and remedy for a wrong by using accessed Fl Courts ( State and Federal ) system.

See attached, 7 cases of mine and my right to remedy for damages were stolen from me at the hands of FL Bar Attorneys.

They never wanted me to pay a " mortgage '' because there never was a " mortgage. '' But they insist on making me come to Court to agree to allow them to steal something from me to remedy non-existent damages. 
Real estate is a monetary benefit for them.

Many people in Florida used to be afraid of FL Bar Attorneys. Its used to be a puzzling phenomenon.

No longer do this exist.

Their " slips '' have fallen, it's showing for all to see.

They are they only ones who can't see it on the ground.

That's the NEW phenomenon.
Complaint sub-issue: Information belongs to someone else

I tried to obtain a copy of my credit report from Equifax. Apparently, the information they have does not correspond to me in any way. Security questions seem to imply that they are referring to someone else. As a result, I am unable to receive a copy of my report.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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: Debt was paid

Last fall the XXXX XXXX XXXX ( XXXX ) and the law firm of XXXX requested that my wife and I execute a written joinder and consent form that would help the ( XXXX ) revitalize their governing documents that had been extinguished by the state of Florida. We executed those documents and forwarded them to the XXXX team for their inclusion in the total package to be forwarded to the Florida Department of Economic Opportunity ( DEO ) for their review and acceptance. Upon receipt of the revitalized XXXX amendment to the Covenant/Restrictions I found that my assessment level was set on pg XXXX at $ XXXX/month and that is what I have been forwarding to the XXXX XXXX. If the XXXX can provide me with documentation that requires me to pay a different amount of assessment than what the revitalized documents spell out and what I signed off for I will be happy to review it and proceed accordingly.
Complaint sub-issue: Debt was paid

XXXX XXXX has sold a debt they do not own to another company called Allied Interstate LLC. 

The debt in question is currently owned by XXXX XXXX XXXX and is currently being paid through them.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Balance : {$330.00}
Complaint sub-issue: Overdrafts and overdraft fees

I was charged over draft fees for bank fees on the account, said I only got 1 NSF fee returned per year when this wasn't even my fault. Had no idea about bank fees and they should not charge them for fees they put on they account. 

I am putting in dispute claim as well.
Complaint sub-issue: Problem during payment process

On XXXX of 2020 Self Inc. reported a late payment. I didn't realize it until XXXX and I contacted the customer service department they told me they could not fix it at that time I could not understand the error. Now XXXX I figured out the issue and screenshotted the info. I know the info was updated it was confirm with the rep and if I hadn't double check the issue, the problem would have happened again. The autopay was not correct again and if I hadn't manually paid the payment and checked within the 15 day grace period, I would have had yet another late on my credit report. Everyone makes mistakes and I requested for it to be corrected but they are trying to act like its my mistake.
Complaint sub-issue: Account status incorrect

I was granted payment relief and forbearance of my federal student loans with XXXX XXXX due to a loss in income. The way that this was reported negatively impacted my credit score. I contacted XXXX XXXX and was told that I needed to contact the Consumer Reporting Agency to have it corrected.
Complaint sub-issue: Account information incorrect

I purchased a vehicle from XXXX XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe XXXX XXXX, Equifax and/or the companies listed above that did the hard inquiries can correct this issue. 


I also purchased another vehicle from XXXX of XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX of XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe XXXX XXXX, Equifax and/or the companies listed above that did the hard inquiries can correct this issue.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name
Complaint sub-issue: Account information incorrect

i have sent multiple letter to this creditor pointing out the fact that they are reporting erroneous information to the credit bureaus, to experian they say i was " 150 days late '' o XX/XX/XXXX nad to XXXX  they say i was " late 120 days ''. They claim i have made payments of {$9.00} on this account on XXXX, XXXX and XXXX of XXXX and i have not, this account has been closed since XXXX. They are not reporting any information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, also another company is attempting to collect on this alleged debt on their behalf, and as i have read if another company is attempting to collect a debt then the original creditor can NOT report a past due or a balance on your credit report.i am not having a fair and accurate credit and is harming my possibility to obtain financing.
Complaint sub-issue: Their investigation did not fix an error on your report

I have found inaccuracies in my personal information on my credit report. I have already reached out to the credit bureaus to remove the inaccurate information and they have not replied with status of the investigation or any other update. Per, 15 USC Subchapter III 1681 ( i ), the credit bureaus are to let me know within 5 business days that they are investigating the inaccuracies. Below are the inaccuracies that are to be removed : Names XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  Date of birth : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2018, I opened an account with CitiBank based off the {$500.00} promotion. I was told by the personal banker that if I keep my account at {$15000.00} or above for three months, I would receive {$500.00}. 8 months later, I have yet to receive my bonus. I was recently informed by the personal banker that she misinformed me and did not open up a savings account, which she should have I was later told that the savings account was one of the qualifiers to open an account. I followed up every month and I was told several times by the personal banker and customer service that I should be receiving my {$500.00} soon as I have all the qualifiers, but three weeks ago I was told that I can not receive it because of no savings account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

According to the recently passed CARES Act, lenders/credit card companies are to work with their borrowers, yet we have found this NOT to be the case with XXXX XXXX, Elan Financial, nor XXXX, all of whom will be made whole through the stimulus package ... yet they can not assist their borrowers and are offering nothing in the way of a deferment of payments, only the removal of late and/or over limit fees. 

We had reached out to these companies as our business had a $ XXXX loss of income between XX/XX/XXXX to XX/XX/XXXX due to COVID-19 ( as all of our customers opted to go on hold ) and our income from that time is now {$0.00}. 

Additionally, XXXX XXXX has reported a 30 day late on our account to the 3 credit bureaus, and neither Elan Financial nor XXXX will confirm that they will not be following suit. 

We have contacted the credit bureaus, but have had no such luck trying to work through the lenders. 

We are asking that these companies be contacted regarding their blatant disregard to working out a deferment plan with borrowers and that they NOT be allowed to report any late payments to the credit bureaus during this time, which is in accordance with the provisions of the CARES Act. 

Lastly, we have reached out to our attorney, as the only way to return to our good credit ( of which we had no late payments nor derogatory marks ) will most likely be to file a class action lawsuit. 

Thank you for your help.
Complaint sub-issue: Account status incorrect

Upon reviewing my credit report this morning I noticed that this credit bureau has not removed an illegal account from my credit profile ( MACYS # XXXX ). I have disputed the accuracy here on this board once before and the fact that this account has been inactive for over 8 years and that the terms are incorrect and contradictory makes me very frustrated at how its continues to appear on my credit report. This is outrageous and irresponsible ... I have repeatedly asked them to remove this derogatory item and stop illegally damaging my credit score and they have failed to listen and remove this incorrect account which displays contradictory information and that is against the law. I have not been in collection with this company ever and yet every bureau displays some completely different information in the remarks, terms, monthly cycles and so on with different dates and incorrect amount. When an account is past the statue of limitation every consumer is aware that it is in strict violation of FCRA law to re-age it and change its terms to keep it on the profile. I have had immaculate credit for the last 8 years and so this account is being illegally re-aged and placed back on my credit report every time i dispute it. Whats worse is that XXXX and Equifax have absolutely different terms, balances, information and such. The monthly cycles have all been deleted so that it is NOT even possible to verify the last payment in order to remove the old account. They continually and illegally delete this accounts information and change it around just to call it an investigation and that is unprofessional and truly illegal. I am asking that this account be removed and NOT re-aged, not have its information deleted and changed to suit their false investigation and I would like my credit reports mailed to me as proof that this illegal account has been deleted permanently from my report please. Thank you
Complaint sub-issue: Information belongs to someone else

The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

D2 Management Representative from XXXX called me on XXXX at XXXX CST and Gave me my last 4 digits of my SS and the company name where i work. They then said I owed +/- {$550.00} on a pay day loan that they claim i used my check stub and applied for it on my account at XXXX XXXX . Number one i have never had an account at XXXX XXXX. Number two i have never EVER taken out a payday loan in my entire life. When I attempted to explain it to the lady she argued with me and said i was not correct. I asked where she got my last 4 digits of my SS and she would not answer. I then explained that i never had an account at XXXX XXXX and that i never took out a pay day loan in my life. She again said that i was incorrect. I asked for her to send me the documents showing this and she only wanted to know how i was going to settle the debt. I told her it was not mine and I was reporting them for Fraud and hung up. She also claimed, when i asked where she got my last 4 digits of my SS number, that she was recording the conversation for training purposes.
Complaint sub-issue: Problem during payment process

Contacted several representatives via telephone and emails because of the financial hardship I am experiencing to pay the minimum balance on my account since Hurricane XXXX. I requested a deferment on my payments until XXXX 2018 and have not received a response.
Complaint sub-issue: Problem using a debit or ATM card

Since XX/XX/2021 I have mulity transactions that have been triple by the amounts and serve conversations and corporate calls to the Financial institution. Apparatus they really do not care. When my credit card was issused a pre paid one, it took over 1 1/2 months to receive. THEN the day I was told by XXXX the Assistant Manger of the bank when I was standing right there in front of her. I heard the whole conversation to the credit card processing company that it would be 5 to 10 bussiness days for me to receive which it was a month and half went by. Then I recied a phone call from that same branch from XXXX the bank Manger that my Credit card was there and I walked in to retrieve it and get it valivaed, and I was handed the envelope open and I was told it was active. My question WHO VALIVATED MY CREDIT CARD??? NO BODY IS ON MY ACCOUNT AND NEVER HAS BEEN. THERE IS MONEY MISSING AND IF YOU ADD UP MY DEPOSITS YOU WILL SEE IT DOES NOT EVEN COME CLOSE TO WHAT THE BALANCE IS??? HOW IS THIS EVEN LEGAL??? PLEASE HELP WITH THIS I AM A AMERICAN CITIZENS IN AMERICA. RIGHT???
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax Mortgage Service XX/XX/2020 I called both the company affiliated with inquiry they said no info could be found. I also contacted Equifax and XXXX and told me to contact FTC. XXXX did remove.
Complaint sub-issue: Didn't receive advertised or promotional terms

I made over {$4000.00} worth of purchases from Home Depot in XX/XX/XXXX and was told we qualified for zero interest for 24 months. My wife and I planned the payment schedule so that we could pay off everything with the same monthly payment amount for 24 months. I checked the statements for the first few months and didn't see interest accruing. I didn't check back for a while and in XX/XX/XXXX found that well over {$1000.00} in interest had been accrued. I spoke to the Home Depot credit card management and they said the interest-free offer was only for 6 months, but when we signed up for the card we were told it was for 24 months. I spoke to a manager at Home Depot on Sunday, XX/XX/XXXX, who spoke to a customer service manager for the Home Depot Credit Card, who both agreed that this was wrong and that they would get all of the interest reversed. On Saturday, XX/XX/XXXX, I noticed none of the interest on my card had been reversed, so I called Home Depot and they told me that the interest wouldn't be reversed because I didn't communicate about the promotional offer lapsing in enough time for them to reverse it this despite a customer service manager previously telling me it would be reversed. So in order to avoid further interest being charged, I paid off the card in full on XX/XX/XXXX and called them back immediately to cancel my credit card and let them know I will never be a Home Depot customer again. If there is anything I can do to try to recoup some of that money and get refunded the interest, that would be appreciated, if not I understand. In any case, I feel it's important for Home Depot to be recognized as having clearly deceptive advertising practices that prey on average consumers who did nothing wrong and was paying more than the minimum amount on time every month.
Complaint sub-issue: Account status incorrect

Moneylion CONTINUES to report an account as open and 60 days late. Even though it was discharged in Chapter XXXX bankruptcy on XXXX. The company was notified, and yet today they updated my account to have it reflect as 60-90 days past due. Which tanked my credit score 48 points. I want this company stopped and I would like to explore a lawsuit!
Complaint sub-issue: Personal information

You recently verified that XXXX items belong to me. How do you or where did you get that information from. XXXX XXXX has no validation of me, They have sent me letters stating not my name. XXXX of the letters had to different names. XXXX letter had a name that was similar to mine, and the other letter had a different name as well. The account in question stated phone numbers. I have never seen the numbers, never possessed any of the numbers they mention. 
Please read this Notice and Demand very carefully ; failure to reply may subject you to criminal prosecution. Credit File dated XXXX XXXX, 2015, I received an re investigated letter from Equifax alleging that I owe a sum of money or property for an alleged past due amount that has been placed with for collection. I do not owe this corporation any money or property as I have never conducted any commerce with this said corporation and no contract obligating performance has been evidenced. XXXX XXXX does not have the standing to collect any money or property from me. I hereby dispute and deny the alleged debt. I have a Right to Due Process of Law which may be satisfied by producing the documents demanded in this correspondence within the time allowed. I would like for you to provide me with full documentation Full, that I have a contract with XXXX XXXX and by law that they have the right to collect a debt validated with all of my personal information is accurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been trying to get the inquiry 's off I have been calling and sending letters and still no answer I would like them to be removed because I did n't apply or inquiry about any of them
Complaint sub-issue: Denied request to lower payments

I called Carmax auto Finance to defer payment account due to unadequate cost disclosures and hardship. Without assuring accurate disclosures of lease terms my account was locked. The only way to access the account was to reset it and acknowledge terms I'm unsure of and definitely don't agree to.This inaccurate and unfair treatment and this has happen numerous of times, being treated in this manner. 

I had a pleasure of speaking to XXXX : XXXXXXXX XXXX XXXXXXXX asking her to defer payment and the meaning and accurate disclosures of the terms in how it was promoted to me. She began to tell me how Carmax Auto Finance policy and also telling me more things about how my account was never updated a year because they took XXXX payments out my account in XXXX month then locked my account and said it was because of declined payment. My financial institution blocked it because of suspicious activity. She said we was unable to help me with my account and couldn't help me. 

This is unethical and unfair XXXX XXXX