Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

collection accounts- In your letter, say its illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. I never received a 1099-1. Remove this information from my consumer reports immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0.00} Late Payment 15 U.S.C 6802 Gramm-Leach-Bliley 15 USC 6802 ( a ) ( a ) Notice requirements Except as otherwise provided in this subchapter , a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

-a court and a credit bureau are nonaffiliated third party institution.

Non personal information means personally identifiable financial information ( address, name, phone number, social security number, credit report information, late payments, student loans, bankruptcy, XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

1.When I check my credit report there was 2 late payment. 
In the case of XXXX XXXX XXXX, I never late over 6years. 
Actually, my mon XXXX XXXX because of XXXX XXXX, I had to be out of state, I didn't know late payment. ( XX/XX/2020 ) When I call XXXX XXXX XXXX, I canceled the arrears caused by Covid 19.

But I found this late payment wasn't removed.

2.I found 1 late payment of XXXX account almost over 10 years ago.

In my opinion, any record over 7 years ago should be removed.

I paid off this account.

And these 2 accounts remain on my credit report as hard delinquency.

One of the records was waived, the other record was over 10years paid off the account. These accounts that were saved by information and covid 10 years ago still remain on the record.
Complaint sub-issue: Reinserted previously deleted info

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
Complaint sub-issue: Debt is not mine

We did not have any account with XXXX and are charged with {$1100.00}. Not only we were charged but also our credits are damaged and we are reported to debt collector by XXXX. We explained many times to the debt collector AFNI and also managers of XXXX but they continued charging us and damaging our credits. 
Please help us restore back our credits which were damaged for many months and ask the XXXX and AFNI to give you the signed contract that we had with them with any copy of official documents we showed them during the time we signed the contract with them. 
Thank you for your help and we want the justice to be done.
Complaint sub-issue: Reporting company used your report improperly

I am a part of the Equifax data breach announced recently XXXX XXXX XXXX and am filing a complaint to ensure that proper action is taken on my, and others ' behalf.
Complaint sub-issue: Confusing or misleading advertising about the credit card

XX/XX/2021 PNC Bank I received three preprinted checks from PNC bank to be used to transfer balances. I called PNC and spoke to XXXX who explained that if someone fraudulently cashed one of these checks, that PNC would cover it. I spoke to her supervisor, XXXX who confirmed what XXXX said but indicated that I had to report the fraud. XXXX indicated that a {$2000.00} check would probably get PNC 's attention but smaller amounts might not and would need me to identify the possible fraud. I use my credit card for everything and place thousands of charges monthly. I do review my statement but I assure you I do not pay much attention to smaller charges so I might not even notice the fraudulent charge if it was not in the noise level. I'd not question a {$60.00} charge. If I do not question it, PNC would not address it and I would be out that {$60.00}. 

PNC or any bank should not be allowed to send out these checks and put their account holders at risk.. It should be illegal and I intend to contact my representative and senator.
Complaint sub-issue: Reporting company used your report improperly

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. 

According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts : XXXX XXXX XXXX # XXXX
Complaint sub-issue: Application denied

On XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX  ( an unsecured line of credit/credit card ) with US Bank REF # XXXX. 

I applied at the XXXX XXXX branch of US Bank. 

US Bank XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX The staff at the branch, the banker and the manager were excellent and friendly. 

I applied for the loan and according to my US Bank account my XXXX score is XXXX. They denied my loan request. First they said my debt to income ratio was to high. I asked them to relook and discovered my student loan payment was reporting a monthly payment of {$1500.00}. This is incorrect. I made a large payment because due to COVID 19 the interest rate of the loan was dropped to 0 %. Therefore the PAYMENT reported higher. 

I called the bankers in XXXX talked to them. They asked for the District Manager to  request an exception and told me to send proof of my payment amount on my student loans, which I did. This brought my debt to income ratio in line. My XXXX  is XXXX. They STILL DENIED my loan and would not make an exception bc of " Past Performance ''. 

This is ridiculous, when I opened my account they game me a XXXX credit card in XX/XX/XXXX so there is no reason they would not want to lend me money. I don't understand how their exception process would not allow for me to have a line of credit with them. I have good income, high credit, consistent job history, I'm a director at a different bank, and only my student loan on my credit bureaus. I seriously wonder if they review and track their exceptions. 

I feel like the bank potentially discriminated against my application and or did not treat me the same way as other prime borrowers.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Identity Theft XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXXXXXXXX**** XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX 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: Account status incorrect

XXXX XXXX account reported written off as bad debt was fully settled with XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Complaint sub-issue: Other problem

I was given permission to discuss the credit card account for my daugher, XXXX XXXX XXXX I opened up a Discover card for my daughter, XXXX XXXX and am the one responsible for payments. Approximately on XX/XX/2022, I called Discover customer service and requested that this account be closed because 1 ) Although I had submitted a payment of approximately XXXX dollars on XX/XX/XXXX, it had still not posted as of the time I called, which resulted in declined transactions, and 2 ) I would be required to call in after I made a payment, and I thought this was excessive, so I requested the card to be closed. When I talked to discover, I was informed that I would get a refund of {$220.00} because I had submitted payments which total exceed the credit limit, and thus I had a credit on the account. However, when I called Discover again, I was told that the refund had not been submitted. At this time, I had informed Discover that a series of refunds had been credited to the account, these refunds are 1 ) XXXX, 2 ) XXXX and 3 ) a pending refund of XXXX. At this time, I had fulfilled my payment obligation of the {$500.00} credit and the {$500.00} credit that was extended to my daughter was fufilled through my personal payments that was made to this card, thus any refunds that were made to the card would result in credits, thus these credits should also be refunded to me. However, the representative I talked to disagreed and told me that I would not be entitled to these refunds. This is actually stealing money from me because I had already fulfilled the obligation of the {$500.00} credit that was extended to my daughter, thus any credits should be refunded to my daughter. At the time these refunds were credited to the Discover card, the {$500.00} credit had already been fulfilled and these refunds resulted in credits to the card. Thus, my daughter is entitled to the XXXX credit which was originally a credit to the card, in addition to the refunds to the card, which amounts to {$160.00} thus my daughter is entitled to a refund of {$390.00}. I have attached an account summary showing the available credit of {$500.00}, in addition to the refunds that was applied to this card account. The refund of {$96.00} is pending, approved, and on its way to the discover card account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Information is not mine

This letter is being sent to you in response to a listing on my credit report from EQUIFAX Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from EQUIFAX. 
For the purposes of XXXX XXXX XXXX et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.
Complaint sub-issue: Their investigation did not fix an error on your report

see attached ongoing dispute regarding deliberate inaccurate reporting past due over 120-180 days and a {$0.00} balance.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Report provided to employer without your written authorization

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/21 I mailed a dispute letter regarding inaccurate/unknown items on my consumer report. To this day I have not received a response. i feel my dispute has been ignored. Section 611 ( a ) plainly states that a fairly to investigate these items within 30 days gives a reason to immediately remove those items from my report. i demand these accounts be removed immediately or I will file for litigation due to the stress caused by inaccurate reporting. My info was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Funds not received from closed account

I opened an account with US Bank then discovered you have XXXX physical locations in XXXX XXXX, SC. I opened the account with {$250.00} in XXXX, on XX/XX/22 I closed the account and was told the only way to get my money back was via XXXX Mail XXXX XXXX Mail. Here we are XX/XX/22 and I still DO NOT have my money. I have made many calls and was finally told a replacement check would be sent out. Today, XXXX XXXX I was called by someone who told me they are sending XXXX XXXX MAIL XXXX MAIL a form that I need to sign and have notarized before my money will be returned. At this point " Check is in the mail '' is another code for stolen and fraud on behalf of US Bank. I am going to copy and paste this complaint and plaster it all over social media. I want my money back. You are a bank and should be able to do a refund to the card that I used. This is theft, clear and simple. Why is it that US Bank uses the MAIL service??????? Are you a bank from the XXXX 's. I am going to send this complaint to anyone and everyone and warn them NOT to bank with you. 

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

Equifax is not properly investigating a matter with XXXX XXXX XXXX. I have a XXXX balance with XXXX and XXXX is still saying I owe on this account and have a chargeoff which is not true. The account balance saying owed approximately {$17000.00}. Equifax needs to send a representative to manually check the records of XXXX so that it can be reflected on my credit report that I have a XXXX balance. XXXX is lying about this account so Equifax needs to properly investigate and this account needs be updated to a XXXX balance immediately.
Complaint sub-issue: Problem getting my free annual report

The IRS refused my income tax electronically as someone has already filed. I tried to get an equifax report. They asked me questions about a house loan, and XXXX bank loans/credit cards that I know I do n't have. Then they refused to send me the report. I need help immediately.
Complaint sub-issue: Public record information inaccurate

The public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, and XXXX ), they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below : XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2019 Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2019 Reference # : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have made several attempts to contact Equifax regarding my identity theft report and yet they claim to have never received the paperwork. I have sent it in 3 times and this negative information is stopping me employment. Can someone please help me because this is becoming increasingly difficulty to contact them and to take time out of my day.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX disputes the debt because he made his contractual obligation to pay this account in full prior to the expiration date of a sales promotion based on information from your representative. XXXX XXXX XXXX overnighted the payment as instructed. KLARNA INC is attempting to extort additional fees and interest based on {$25.00} which they claim he was short in his payment ; however, the payment amount was verified by a representative and through no fault of Mr. XXXX he paid the amount instructed that was owed. 

Purchased electric scooter online. Financed with Klarna Inc XXXX. XXXX XXXX XXXX, OH XXXX 12 months same as cash. Account # XXXX Product was paid in full and company is now demanding interest and late fees for payment that was made. 

Four ( 4 ) Fair Debt Collection Letters have been sent and no response or verification of the debt by any of the parties. 

They continue to harass and send letters. All letters were sent by certified mail and verification they were received. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have a creditor named XXXX that I had a vehicle with over 7 years ago. I have disputed the accuracy of last payment date which is inaccurate, and is severely hurting my credit score. The account still shows on Equifax and refuses to be removed even after the 7 year statue. Equifax is not helping to actually investigate this issue.
Complaint sub-issue: Billing problem

Hello, I had a leased vehicle with Ally Auto and I transferred it to another person last month. At the time of transfer I specifically confirmed that I will no longer get billed for the vehicle from the next month onwards. My account was on XXXX XXXX where my savings account would get debited, and the agent said I will no longer be billed. 

This month my savings account got debited and when I called in Ally said they can't reverse the payment! They said it was my responsibility to cancel the XXXX! I no longer have access to the account so I don't know how to cancel anyway. 

I complained that why are they sending a bill to my account anyway when XXXX mo longer have business with them! They refused to take my complaint as well. 

This is my savings account and I needed the fund to make a purchase towards my house and now I don't have enough funds to do the transaction! 

They are asking me to contact my bank to stop the payment! This is illegal.
Complaint sub-issue: Information belongs to someone else

My credit report should be blank because I have never used my information to obtain any credit whatsoever. I found a medical debt from XXXX XXXX on my credit for {$80.00} which I do not know anything about. I disputed it with the credit bureaus but the fraudulent debt is still on my credit.