Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I reached out to the XXXX XXXX XXXX XXXX to see if they supply information to a 3rd parties like credit bureaus after sending in my dispute letters to the 3 credit bureaus it keeps coming back verified.
Complaint sub-issue: Their investigation did not fix an error on your report

CRA failed to properly investigate previous disputes regarding a derogatory ( Bankruptcy ) public record that they are reporting, and refuses to re-investigate.
Complaint sub-issue: Information is not mine

I have hard and soft inquiries that are not from me they are from my ex now hevea doing this when we were separated and I do not want them on my credit report! XXXX XXXX XXXX is correct but the others are unknown to me or over 2 years! Please remove!
Complaint sub-issue: Fee problem

XX/XX/XXXX and XXXX. Excessive overdraft fees, first one against a positive balance. If after a XXXX fee your balance is negative XXXX then obviously I had a positive balance of XXXX!!! When I access my account on line I first see recent pending and cleared items. It gives me an option to bring up Full Account Activity but they tell me this is not a correct representation. Then why is this available to me to look at???? They give me different daily balances then what I see on the Account Activity. But it is pretty obvious if you get a negative XXXX after a XXXX fee the account had to be positive. If not for the first 2 fees that are wrong the next item in was for! XXXX which would have made the balance a negative XXXX  cents, under their negative XXXX  dollar thresh hold for a fee. After that I had items of XXXX, XXXX and XXXX, those would cause fees, but only three. I admit to three fees. The next item after what should have been three fees, not six was the direct deposit of XXXX. If not for the first 2 incorrect fees the balance would have been negative XXXX   plus 3 fees of XXXX dollars or neg XXXX That would make balance after direct deposit a positive XXXX not XXXX They do this all the time. They give different dates of the items clearing and different dates of the daily balances then the Full Account Activity I can bring up and look at. If what I can bring up and see is wrong then why can I bring it up. Why do I get an activity page that is not the correct order???? But like I said if a fee of XXXX makes your account negative XXXX the balance was obviously positive. The balance would have to be negative XXXX plus at least XXXX  to have been over drawn!! They can not fathom this when I say that, it is simple math. I have printed information I will send in the mail.
Complaint sub-issue: Can't decrease my monthly payments

I am currently paying between 7.5 % and 6.25 % interest on my loans. My home is at 3.25 % and I have an asset, what is the asset I received from college? I understand they need to make money, but they were given money at 0 % from the FED and charge me 7 % for something that is helping society if I get a job and pay taxes. This is an issue that must be dealt with.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing with XXXX XXXX for over a year. Ive filed disputes with Equifax, XXXX, XXXX and XXXX XXXX. XXXX deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with XXXX  and Equifax. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of Equifax, XXXX   and XXXX XXXX. I sent requests for correction to XXXX and they denied it and I disputed with Equifax and XXXX and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX is an old account that has been on my report displaying negatively.
Complaint sub-issue: Investigation took more than 30 days

Credit Bureau Equifax, XXXX, and XXXX failed to reply to letters I sent in before on accounts that are being negatively reported. 

I have reached out to them via mail and fax and no reply in 4 attempts.
Complaint sub-issue: Debt is not mine

The collection company is continually calling my home for a debt that belongs to my son after I informed them that my son died this year XXXX/XXXX/XXXX. My son was only XXXX in XXXX when he passed away suddenly. He had just turned XXXX in XXXX of XXXX. What type of contract could they have with a minor child that allows them to call my house when my son died before he became an adult? They told me I have to send them a death certificate before they will stop calling my phone. My son does n't live anymore.
Complaint sub-issue: Problem with balance transfer

I accepted an offer from Discover last year for a promotional 6.99 % interest rate on balance transfers or new purchases. I read the fine print and agreed to the 12-month term of the offer, which stated if the balance of the transfer or purchase was not paid off within 12 months, the balance would be subject to my regular, higher interest rate. My plan was to make equal payments each month to pay off the promotional rate balance prior to its expiration. However, when the balance did not decrease at the rate I thought it should, I " discovered '' that Discover applies only the minimum payment to the lower interest rate balance. Anything above the minimum goes to the higher interest rate balance. 
This arrangement makes it impossible to pay off the lower-interest balance before the special rate expires unless I pay off the entire balance of the card ( not currently an option ). " XXXX '' in customer service tried to tell me that Discover is actually saving me money by putting my payment above the minimum due towards the higher interest balance. In fact, this does not save me money in the long run because the remaining balance will be subject to the higher rate at the end of the promotion term. 
Discover lowered my regular interest rate by 1.05 % in an attempt to appease me. I asked if they could raise my " minimum amount due '' so that I could pay down the special interest rate offer in a reasonable timeframe. They refused. 
This is a debt trap and very consumer unfriendly.
Complaint sub-issue: Account information incorrect

i received my discharge letter of approval in XX/XX/2018. i have contacted XXXX XXXX XXXX and XXXX about updating the information on my credit report as all accounts and forgiven to paid in full. i spoke to both departments and they both gave me the run around about who reports to the Credit Bureau to get this information up to date and accurate. i do remember reading and being informed it could take up to 60 days for processing to be be complete and updated. this inaccurate information is still showing on my credit report and i am in need of someone to update this as paid in full and current with XXXX balances. thank you Sincerely, XXXX Veteran
Complaint sub-issue: Can't decrease my monthly payments

My XXXX assist loans are in default after XXXX refused to work with me. They are currently held by a collection agency who is asking me, even higher minimum payments-that I can not afford. They are also refusing to send me any agreements in writing unless I give them my banking information. They are harassing me at work and on my personal phone, disturbing my work.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/22 I booked an hotel and checked out on XX/XX/22. I contacted the hotel and they stated the release has been lifted & the funds shouldve been returned by now. I contacted cash app on XX/XX/22 at through out the day on chat and then by phone at XXXX and I were then left in a incomplete chat and then phone call I were left on hold and kept being asked to hold for close to 45-50 minutes for the cash app representative to repeat where they left off in the chat of asking me to supply the receipt from the hotel of XXXX. I gave them what the hotel supplied me and they refuse to settle the hold on my account because it does not have the last 4 of my card number on the XXXX receipt. Then also complained about the receipt legitimacy of the logo of the company. In which I feel accused of wrongly submitting a document that they refuse to verify with XXXX and ask for their own copy to determine legitimacy ; instead making me as their customer out to be wrongfully accused. The hotel also stated that they have no control over the receipts of the company supplies to its customers & they too have to abide by HIPAA compliance by not supplying generated receipts with sensitive information on them. Also Cash App advertises that 1 - 3 business days is the time where transactions is then returned. I have been told by a cash app representative of 14 days in which under the screen shots I have supplied it clearly states 1-3 days. Cash App is falsely advertising on their processing with their bank, no bank has ever asked me to provide receipts when I visually used their card to purchase, then after supplying the receipt its told its missing information/invalid when no one but XXXX company can decide what their receipt says/are the only ones that can validate their customers stay. Cash App stated they are refusing to settle my refund & stated they will take longer to process. This is unrightfully holding money of customers and should be investigated ; with poor service. Also advertising conflicting criteria to its customers.
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed a leak and therefore mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website and would like a resolution.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Full XXXX XXXX XXXX XXXX Pa Social security Number : XXXX Date of Birth : XX/XX/XXXX This is a fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL , 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. I Never gave XXXX any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT. 


XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Equifax : XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Inaccurate Name : XXXX XXXX, XXXX XXXX Inaccurate Address:XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Date Updated : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, US DEPT ED XXXX Owed XXXX {$1000.00} , US DEPT ED XXXXBalance Owed : {$6400.00}, US DEPT ED XXXXBalance Owed : {$3100.00}, XXXX XXXX Balance Owed : {$2200.00}, XXXX XXXX XXXX XXXX XXXX**Balance Owed XXXX {$1100.00}, XXXX XXXX XXXX Balance Owed : {$420.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Debt was paid

On XX/XX/2019 I switched from cell phone companies. My new cell phone company was XXXX XXXX and I was no longer an XXXX customer. On XX/XX/XXXX I did receive an email from XXXX   in which they charged the month of XXXX. It was XXXX dollars. A couple of days later, I made a call to XXXX to ask them about the bill. One of their representatives checked my account and told me that they made a mistake. Days later, they put the money back into my account. A month after they emailed again. For the second time, they charged for the month of XXXX. Again they took the money from my bank account. I called them again and explained my problem. The lady apologized for the issue and told me that she would refer the case to the right department. This time she closed the automatic payment from my former account. She told me that I had to pay XXXX for one day with the service. She then processed the payment and told me not to worry about the issue. The next day the money was backed into my account. Four months later I received a letter from Credco a collection company. They informed me that my account was in the collection. I could not believe that this was happening. I called XXXX one more time and spoke with another representative. He did check my case, called his supervisor and apologized to me again giving me the same story. I did ask for a letter or email as my evidence but they refused. Still today I have my former XXXX account in collections.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX XXXX Na 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: Difficulty submitting a dispute or getting information about a dispute over the phone

EQUIFAX Is Harassing Me. All Of A Sudden, They Sent ( I Sent Copies Of Everything To You ) Me A Letter. The Letter Stated That They Needed Copies Of My : Driver 's license, Social Security Number, Proof That I Lived At My Current Address, For Over 2 Years Etc. I Also Sent Them Copies, Of The PAID IN FULL Credit Card Accounts. ( XXXX-Card Was {$2000.00}, XXXX XXXX Credit Card Was {$17.00}. Both Paid Off, About A Month Ago. I Also Paid {$1000.00} To My XXXX XXXX XXXX. EQUIFAX Discriminated Against Me, For Knowingly That These Credit Cards Were Paid Off, But They Didn't Show It On My Credit Report, Purposely. Why Were They Able To Show Negative Information, For The Past Month, Without Requesting All Of This Identity Scam. They Know Who I Am And Where And How Long, I've Lived Here. They Just Want To Give Me A Hard Time. This Is Not The First Time, That They Weren't Able To Keep My Credit Score Accurate. I Also Sent Copies Of The Credit Carrds And My TD Personal Loan PAID Statements. The Two Other Credit Bureaus, Don't Have Any Problems, With Keeping My Credid Report Accurate. Proof Of My Credit Card Accounts Being Paid Off, Should All They Need To Correct My Credit Report.
Complaint sub-issue: Information belongs to someone else

I went to my bank to reply to a pre-approval I received from my bank. When I went to apply for the credit card my banker told me that I was not approved. I pulled my credit and there are things that are not mine. I have contacted the FTC and my local police. I am also doing this on my own behalf. DPT ED/XXXX, U S DEPT OF EDXXXX, XXXX, US DEP ED, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX AN ACCOUNT WITH NO NAME ENDING ACCT # XXXX. There are also inquiries that are not mine. 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: Their investigation did not fix an error on your report

On XX/XX/XXXX I sent a XXXX Letter to XXXX via XXXX asking for validation of original debt history because unfair collection and unfair reporting practices with XXXX continues to not report my XXXX payment history. I also followed up with an XXXX letter to try to resolve the matter. Equifax did not do their due diligence in correcting matter. XXXX  intentionally suppress my payment history by not correcting the reporting my XXXX payment history. XXXX  account is old and requires removal from my credit report. I have made over XXXX disputes in reference to this matter. To no avail Equifax verifies XXXX erroneous credit reporting data sometimes in less than XXXX hours. XX/XX/XXXX I called Equifax stating my frustrations with their reporting practices and tried to file a complaint with their company but did not get any assistance. the Equifax report numbers are XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/2022 I received a letter informing me of a medical debt I owed. I called Remex Inc and explained I could not afford the debt. I made a partial payment and was told ( on a recorded line ) that I would receive a phone call/s when the next payment would be do. I did not set up an automatic payment because I was afraid I wouldn't have the money available. A representative, on XX/XX/2022 said there was a phone call made on XX/XX/2022 at XXXX, however there is no record of that call or voicemail received. This debt is now on my credit report after I have shown that I am attempting to, and have paid some of this debt. I asked for a statement saying that the debt will be taken off my credit report, but I was told it's company policy that a letter will not be sent out. I was already lied to over the phone, and lied to about receiving a call, so I do not trust that the debt will be removed form my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX is reporting two accounts for student loans with a company called Mohela ( Account # XXXX ) that was opened due to identity theft. I have sent in police reports to prove this identity theft and these account still have not been removed
Complaint sub-issue: Their investigation did not fix an error on your report

Discover Financial Services failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.
Complaint sub-issue: Information belongs to someone else

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX   VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Complaint sub-issue: Account information incorrect

The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the hospital, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXX XX/XX/XXXX is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XX/XX/XXXX XXXX!!! They clearly know I had XXXX in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX XXXX Account! I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON LIFE SUPPORT CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS JERKS RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Complaint sub-issue: Was not notified of investigation status or results

Hello, please be advised this is my second time disputing this inaccurate information taking up my time to do so with no accurate resolution. None of the accounts disputed had accurate information and was not reporting correctly. This has ruined my life and affected my chances of getting a mortgage so i can move my parents to a better and safe home and it is important mostly of this pandemic. i don't want them to catch the virus so please hear me out. A few days passed and I still did not hear anything back.