Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX, I obtained a XXXX  XXXX XXXX for {$14000.00} with a monthly payment of {$270.00}. On XX/XX/XXXX, a reversal from a denied dispute was posted to my account for a total of {$5900.00} as well as a credit for {$11.00}. There was no previous balance on the account and these were the only transactions between XXXX, which is the billing period of the XX/XX/XXXX statement that showed a minimum payment of {$6300.00} due on XX/XX/XXXX ( notice this minimum is higher than the purchases made and also higher than the sum of the purchases and the Flex Loan payment ). No payment on the XXXX  XXXX was due during this period. I had XXXX interest rates in place : ( i ) Standard purchases at 15.24 %, ( ii ) XXXX  XXXX at 6.99 %, and ( iii ) cash advances at 25.24 %. No balance was subject to any of these interest rates, according to the statement. 

On XX/XX/XXXX ( XXXX days after the billing period of the XX/XX/XXXX statement closed and well before the due date ), I paid the {$6300.00} due. During the next billing period XXXX which corresponds to the XX/XX/XXXX statement, I made purchases for {$1400.00} and had a credit for {$4.00}. The first XXXX  XXXX  payment of {$270.00} also appeared in the account. The statement showed a minimum payment of {$1400.00} due on XX/XX/XXXX which I understood included the XXXX  XXXX  payment ( that is what the supervisor on the phone, XXXX, also told me when I called to inquire ). I had XXXX interest rates in place : ( i ) Standard purchases at 15.24 %, ( ii ) XXXX XXXX at 6.99 %, ( iii ) promotional rate at 1.99 %, and ( iv ) cash advances at 25.24 %. The only balance subject to these interest rates was the XXXX  XXXX, according to the statement. 

On XX/XX/XXXX ( XXXX days after the billing period of the XX/XX/XXXX statement closed and well before the due date ), I paid {$1700.00} ( corresponding to the totality of purchases of the XX/XX/XXXX statement for {$1400.00}, plus the {$270.00} of the XXXX  XXXX  monthly payment ). However, the XX/XX/XXXX statement with billing period XXXX shows that this payment was applied almost exclusively to the XXXX  XXXX  balance, and not the purchases on the previous statement. In fact, the adjusted new balance this month still shows {$1400.00} when no purchases were made during the XX/XX/XXXX statement billing period. Once again, I have the same XXXX rates in place as in the previous month, and the only one showing a balance is the XXXX XXXX. 

When I called to inquire, XXXX, the supervisor, explained to me that if I had made the minimum payment of {$1400.00} due on XX/XX/XXXX, {$270.00} would have gone to the Flex XXXX and the difference to the purchases made during the corresponding billing period. However, with the higher payment of {$1700.00} that I made, almost all went to the XXXX  XXXX and almost nothing to the purchases made. I understand that payments are required to go to the balance with the higher interest rate, but then why if I had made the minimum payment only most of it would have gone to the purchases and just {$270.00} to the Flex Loan, as XXXX explained?
Complaint sub-issue: Fees charged for closing account

Closed my account recently. I owed {$25.00} for early closure fee and was not told about that from beginning. PNC seemed like nice online bank from start, till I noticed closure fee. I was trying them out. Thought it as no big deal to just close my account. 

Staff at XXXX branch were friendly and helpful as was manager. Just don't like that the bank has to be closed during pandemic as my current bank has their lobby open even though there's a window between customers and staff. A lot of these types of banks like PNC can improve by removing fees for closure, offer free ATM reimbursement. That would make it a better choice bank. I get free ATM reimbursements with my current bank ; ), thus a better choice bank and staff knows me well. Never had any closure fees. Staff at my current bank go the extra mile for consumers.
Complaint sub-issue: Company closed your account

Hello, on  XXXX  my statement closed and I was supposed to receive over  XXXX  US Bank points. I worked hard in meeting the minimum spend to receive the  XXXX  bonus points. Then on  XXXX  I logged in and my account was closed. I was told I used cash equivalents but I just shopped at my local grocery store. I received no warning and terrible customer service.
Complaint sub-issue: Information is not mine

There are XXXX accounts on my credit report that are not mine. XXXX is for XXXX ( debt collection agency is XXXX XXXX Solutions ) and the others are XXXX medical bills from XXXX XXXX. I never did any business with XXXX so I can only assume that this is a fraudulent account or they have the wrong person. The medical bills were not my responsibility, the insurance was under my ex-husbands name, the insurance was provided for his daughter at the time of service and there were no additional co-pays or fees. I have disputed these items with the credit bureaus, however, they remain on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$1300.00}
Complaint sub-issue: Debt is not yours

On my credit report I notice there was an unverifiable debt in collections. I sent a validation of debt letter to the debt collector that's on file ( Afni ) and mailed them a validation of debt letter. They reported with a computerized response letter without my wet signature stating I owe XXXX XXXX XXXX money. I don't owe the debt collector XXXX Afin XXXX nor XXXX XXXX XXXX any money. I sent them a cease and desist letter, along with a affidavit of truth informing them to delete their trade line from my credit report with all 3 credit bureaus. 

Their contact info is listed below Afni XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX
Complaint sub-issue: Information belongs to someone else

Someone used my information to open accounts & call to inquire about stuff Please also check my account for inaccuracy & delete any account reporting inaccurate immediately do to tha fair credit act I am trying to better mylife with my credit.
Complaint sub-issue: Debt was paid

I XXXX XXXX THIS BILL WAS ALREADY PAID AND ATT KNEW THAT BEFORE THIS GOT TO THIS POINT, THEY NEED TO REMOVE THIS FROM MY ACCOUNT BECAUSE THIS IS A MISTAKE ON THERE PART CAUSE THIS BILL IS ALREADY RESOLVED
Complaint sub-issue: Reporting company used your report improperly

This morning I was made aware that my sensitive personal information ( including my Social Security Number, Date of Birth, address, Driver 's License information, and credit card numbers ) may have been obtained by unknown hackers from the credit reporting agency Equifax. 

I immediately checked the website Equifax established for those affected, www.equifaxsecurity2017.com. I was panicked, and wanted to do everything I could to protect myself as quickly as possible. I was concerned when the registration form asked for the last six digits of my SSN rather than the four that are typically required -- especially given the circumstances -- but communication from Equifax and other officials was poor so the whole situation felt urgent and uncertain at the same time. I decided to complete the registration despite my reservations.
Shortly thereafter, I discovered that I may have waived my rights to a class action lawsuit by registering for this website. While Equifax did make the following statement on their website www.equifaxsecurity2017.com claiming that the waiver would not apply to this latest cybersecurity incident, my trust in their intention and ability to handle this situation with integrity is somewhat compromised : " NO WAIVER OF RIGHTS FOR THIS CYBER SECURITY INCIDENT In response to consumer inquiries, we have made it clear that the arbitration clause and class action waiver included in the Equifax and XXXX XXXX terms of use does not apply to this cybersecurity incident. '' As a modern American citizen I have no choice but to participate in the credit system. Even something as simple as getting an apartment demands the exposure of my most sensitive and vulnerable information. Throughout these ordinary experiences, I have implicitly trusted that those responsible for collecting and protecting my information would exercise unfailing vigilance. With hundreds of millions of lives at stake, the enormity of that responsibility can not be understated ; their catastrophic negligence in this matter is equally difficult to articulate. 

Equifax is responsible for the protection of our financial lives at no cost for the rest of our lives. Nothing less. Any legal, financial, personal, or other problems that may arise from their negligence is also their responsibility to bear. They violated a sacred trust that we had no choice but to grant them. They deserve to suffer the fullest extents of civil and criminal justice, and I will not be denied my own justice because of a sneaky waiver in an urgent situation. 

Thank you.
Complaint sub-issue: Account status

XXXX and Equifax both have incorrect items on report -- XXXX accounts paid off ; XXXX hard inquiries not agreed to.
Complaint sub-issue: Reporting company used your report improperly

*In accordance with the Fair Credit Reporting act XXXX XXXX Partial 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 *In accordance with the Fair Credit Reporting act XXXX XXXX partial 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 *In accordance with the Fair Credit Reporting act XXXX XXXX partial 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 *In accordance with the Fair Credit Reporting Act XXXX Partial 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: Public record information inaccurate

XXXX  county Courthouse refuses to update Equifax on paid in full tax lien. I 've disputed this information twice and it has been fixed with  XXXX  but not Equifax
Complaint sub-issue: Information is missing that should be on the report

XX/XX/2020, I sent a certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting a cure letter, deficiency letter, and a surplus letter to find out how they arrived at an owed balance of {$8500.00}. I never received a response back from XXXX XXXX XXXX XXXX. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( Equifax, XXXX, and XXXX  ). Today, I checked my credit report and notice that the account XXXX XXXX XXXX XXXX and account # XXXX. Is still reporting on my credit reports inaccurately and without proper validation. I still have not received a cure letter or deficiency letter and from my understanding the UCC 9 ( 16 ) says that the account a consumer should receive this no later than 14 days after requesting it. 
For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed.

15 U.S. Code 1681s2 ( B ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person XXXX not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. Field 7 Consumer Account is reporting inaccurately, because the account number XXXX has been redacted ( Report the individual 's complete and unique account number as extracted from your file ). Do not include embedded blanks or special characters. Field 25-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. Field 26-Date closed is incomplete, because it is not being reported. Field 27- Date of last payment is incomplete, because it is not being reported.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2020 I contacted Americollect about a debt via certified mail. The debt in question is reported twice on my credit report in the amount of XXXX $ opened on XXXX XXXX. I never received notice of this debt, and it is being reported on my credit report. I have written the company for validation of this debt and the company never responded. It has been 30 plus days since contacting the company.
Complaint sub-issue: Problem making or receiving payments

I am trying to confirm that I have authorization to use my accounts and the money in them for the company XXXX. I am trying to rent an apartment.
Complaint sub-issue: Information belongs to someone else

Need the unverifiable information reinvestigated
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act the following accounts have violated my rights as a american citizen. 

18 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. 

( NAMEOF ACCT, AMOUNT, ACCOUNT NUMBER, OPEN DATE ) XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bankruptcy/ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX has failed to update my credit reports with Equifax, XXXX and XXXX according to the current status of the account. I have paid XXXX current paid as agreed and my credit reports do not reflect this information. As per the data reporting on all XXXX reports, XXXX is still showing account listed as delinquent status which is not accurate. I have sent an email to XXXX XXXX of the XXXX at XXXX and her response was she forwarded over my request to update my credit files. I have not heard anything back from the company. 

I have received a statement emailed to my XXXX account reflecting no past due balance and that I am paid up to date. However no reporting was done to reflect I am paying as agreed. 

Statement has been attached for your review as supporting documents. 

As of today my credit reports do not reflect account being in a current paid as agreed status. My account with XXXX is current. 

This false inaccurate information has caused credit denials.
Complaint sub-issue: Information belongs to someone else

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
Complaint sub-issue: Account information incorrect

Citicards has committed a fraudulent purchased on my credit card that i just received without even had a chance to activate. Now they send me to a dept collection bureau and damage my credit. I tried to tell them i never used the card. They refused to clear me of the dept and did not agree to clear my name off the credit report.
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 submitted a letter to the XXXX and Equifax Credit Burea XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, 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 XXXX XXXXXXXX Date Opened : XXXX Balance : {$24000.00}
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Complaint sub-issue: Account information incorrect

Once I finished school I was never sent a letter, phone call or nothing stating that it was time for me to pay these student loans. It has 3 late payments back in 2019. I have called the company, sent emails to the CEO, and sent them a letter stating that I never received anything saying when and how much I was suppose to pay toward these student loans. The admitted that no letter was ever sent via their recorded phone call which could be pulled but they never removed the late payments.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I rented a car paid for with  my U.S. Bank Visa  card. The car had over  XXXX  miles on it and had a carbon monoxide leak unbeknownst to me. I became unconscous while driving due to the carbon monoxide poisoning and crashed into a telphone pole. I filed all papers in my possession and asked the rental car company for repair documents, etc, which were never in my possession. They iniitially said they would provide them but then ignored my ema ils. U.S. Bank refused to proess the claim because they said " I should have kept copies of the papers. '' I did keep copies of the papers in my possession, but obviously I could n't get copies of papers the rental agency refused to provide. U.S. Bank refuses to reimburse me
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have received 3 unsolicited business debit cards from SQUARE. I attempted to call them as well as contacting on XXXX, XXXX and email. I am not a customer of SQUARE so its next to impossible to speak with them as the routing options on their phone system is only for customers with customer numbers. I asked them to stop sending me debit cards in the mail but I continue to receive them and no resolution from SQUARE. This is harassment possibly identity theft. No one from SQUARE has reached out to me by phone to discuss the problem or offer resolution
Complaint sub-issue: Investigation took more than 30 days

The bureaus not following the laws. They have not provided me with my investigation results.. I sent out several disputes in regards to my credit concerns and they have not complied ... Please help me remove my credit concerns off my credit report..
Complaint sub-issue: Account status incorrect

All 3 Credit report is showing 30 day late which is incorrect as this account has never been late.
Complaint sub-issue: Trouble using the card to spend money in a store or online

My reliacard account has been frozen since before XXXX. I have faxed everything I have to prove my identity. Customer service reps keep lying and telling me anything just to get me off the phone. I am facing eviction. I don't know what else to do. Please help!!!!
Complaint sub-issue: Public record information inaccurate

I have been trying to deal with these bankruptcies on my credit report that does not belong to me. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My address on the bankruptcy says : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and the correct address at that time was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX. 

2. The last four of suppose to be my social is XXXX on the bankruptcy and the last four of my social is XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. She also stated the incorrect information is displayed on several bankruptcy cases here are all the case numbers she provided to me that had the same identical incorrect information : XXXX, XXXX, XXXX, XXXX, XXXX. I have attached a copy of the petition given to me by the clerk office.