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

XXXX Bank is discriminating against me as a XXXX XXXX American female who has attempted to clear my debt and have my Credit Report updated appropriately, after they have received and cashed a Legal Closing Attorney 's Check which was submitted to them in XXXX and was endorsed and cashed by XXXX Bank on XX/XX/XXXX. They are now falsely claiming that they did not receive the check and causing my credit to be negatively impacting due to the systemic XXXX practices. Also, they Retaliated against me on this week by negatively impacting my score by XXXX points after opening up a dispute with Equifax. Also, when I called on Monday of this week XX/XX/XXXX, I informed the XXXX Customer Service Rep that I had planned to open another CFPB complaint, and in turn, I was retaliated against by XXXX who submitted another False Negative Update to my Equifax Credit Report, after they had already received the check and numerous communications had been made to Customer Service regarding the Settlement Account which had been paid for {$880.00}. Instead, they chose to Retaliate further against me as a XXXX XXXX American Female and U.S. Veteran after I raised concerns to Customer Service and CFPB in a prior complaint when they refused to provide me with the actual Settlement letter so I could close on our Home. This is nothing but blatant systemic XXXX  and an economic suppression tactic exuded by XXXX Bank. My account has been paid and XXXX also verified the Settlement amount with XXXX, prior to it being paid as well, prior to our Refinance Closing scheduled with XXXX on XX/XX/XXXX. 

They have done nothing but make excuses and lie with no intention on expediting and resolving my issues and concerns. They received proof that the check was cashed and placed into their account, and it is nothing but a Discriminatory Stall tactic to negatively impact my Credit score and manipulate the Credit Reporting Scoring System with the intent to harm XXXX XXXX Americans with no remorse.
Complaint sub-issue: Problem accessing account

Hello US Bank, im reporting today because I've been having issues with your online banking for some reason. I just made my online account for the first time on XX/XX/XXXX, XXXX my account was locked right after for no reason and I got it reinstated today XX/XX/XXXX after 48 hours. After having it unlocked, I applied for a second checking account and once again.. Online User ID Locked. not sure what's going on but I literally haven't been able to use my bank account
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax Credit Bureau by mail and email about information that's reporting to my credit report as inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Equifax has sent me letters via their online site stating they have verified that the item is correct but has not sent me any documents that I have a right to verify. The accounts are as follow : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I have always placed a fraud alert on my account when I noticed inaccurate inquires which Equifax is aware of and due to Equifax breach which I have confirmed with their representative that I am impacted by. Due to Equifax lack of responsibility with my information has been compromised.
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting inaccurate/unvalidated/unverified information to my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. XXXX XXXX has failed toVALIDATE WITH PROOFand provide me documentation on file that proves the account is accurate. XXXX XXXX has not heeded to myrequest for their METHOD OF VALIDATION as to how they determined & acquired the debt, nor have they deleted the inaccurate unverified accounts from my Equifax credit report. During a previous investigation their reportorting was found inaccurate/invalid/unverified and was deletedfrom my XXXX  file in XX/XX/2019 ( see page 14 of  attachment titled " XXXX '' ) I am requesting that the account is deleted immediately
Complaint sub-issue: Their investigation did not fix an error on your report

Sent letter to credit reporting agencies telling them the inquiries on my report are unjustified : the actions fail to comply with FCRA Section 604.   The letters are attached below.   Credit Agencies replied stating they did not need to investigate, verify, or remove inquiries.   Credit Agencies failed to prove  3  requirements and failed to remove inquiries from my credit reports
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent Equifax a dispute letter to have the following inquiries deleted because I have never given authorization nor do I have any credit accounts or loans with the following companies : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went into XXXX XXXX XXXX XXXX ( actual location listed below ) on XX/XX/XXXXto purchase a vehicle. At the time of negotiations, the dealership was informed I already had my credit ran by my bank XXXX on XX/XX/XXXX and had pre-approval for the amount I was looking to finance so there was no need to run my credit again. During the negotiations, the dealership advised they had a partnership with my bank and asked for permission to confirm credit approval with bank which I allowed but advised they did NOT have permission to shop my credit around to seek a better deal. All parties agreed and we completed the deal. Later I started getting letters from multiple banks/finance companies advising they checked my credit for this deal and I see on my credit report multiple credit inquiries have been added. This is definitely not what we agreed on during the deal and I'm disputing these inquiries. I went back up to the dealership which advised me that all I would need to do is dispute these inquiries with the credit agencies and they would not fight that complaint.

My original approval was given by XXXX on XX/XX/XXXX but the dealership was only allowed to partner with XXXX  since I already had pre-approval with XXXX  as of XX/XX/XXXXand they were informed.

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX
Complaint sub-issue: Was not notified of investigation status or results

I reached out to the credit bureau over a month ago and I am yet to receive a response, these items are inaccurate and I demand them to be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

My name XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Complaint sub-issue: Information belongs to someone else

According to my Equifax and XXXX. On XX/XX/2020 XXXX XXXX Account was open. Now I have been sending out multiply Disputes to the 2 Credit bureaus, explaining to them that this Account is fraudulent and I have no recollection of this account. My XXXX report is the only report that does not reflect that account. and had my updated info on that report. I will like to Remove the address XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. That Address is associated with this Account. Never live there and want that address off my reports.
Complaint sub-issue: Can't get flexible payment options

I have been trying to get a XXXX plan with my servicer but they keep denying me for documentation or not responding. Help, I changed jobs and took a drastic decrease in income and cant afford to pay the payments and need the plan changed without getting a run around.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted multiple disputes via Certified Mail since XX/XX/XXXX requesting Equifax ( as well as the other Credit Reporting Bureaus ) to verify incorrect late payments showing on four of my accounts. They have failed to provide me Verifiable Proof in which I have repeatedly asked for per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide me with the method of verification as required under FCRA Section 611 ( a ) ( 7 ). My accounts are in good standing and the inaccurate late payment reporting is negatively affecting my credit scores. I have four accounts that show inaccurate late payments and am demanding they be deleted immediately : XXXX 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX_ 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX XXXX & 60 day late ( XX/XX/XXXX ) * my credit report is showing different months of late payments from all the Credit Bureaus XXXX XXXX XXXX 30 day late ( XX/XX/XXXX ) XXXX XXXX 30 day late ( XX/XX/XXXX ), 60 day late ( XX/XX/XXXX ), 30 day late ( XX/XX/XXXX ), 60 day late ( XX/XX/XXXX ) Again this is inaccurate and incorrect reporting and I have yet to receive verifiable proof on the accounts listed. They have had more than enough time to do a proper investigation on the accounts yet they have refused to comply per FCRA rules and regulations.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2021, XXXX sent a certified debt validation letter to security credit services requesting a list of information proving I owe this company debt. The company did respond on XX/XX/2021 but failed to properly respond to the debt validation letter as required.
Complaint sub-issue: Information belongs to someone else

The law 15 USC 1681 A2 ( i ) Consumer report does not include ; report containing information solely as to transaction or experiences between the person making the report.
Complaint sub-issue: Debt was paid

I moved out of an apartment early along with my partner. There was a fee equal to 2 months rent, this final bill was sent Friday after XXXX XXXX. The following Tuesday the debt was paid in full, on XX/XX/2020. As Monday the XXXX was a federal holiday and the credit union that need to raise my limit was closed. 

On XX/XX/2020 I started to receive odd calls on my cell from XXXX one at XXXX XXXX, one at XXXX XXXX  and one at XXXX XXXX. Two additional calls were place at XXXX XXXX  on the XXXX. At approximately XXXX XXXX I received a call from " IQ Data International '' on my work phone which is not public from XXXX. The caller did not identify themselves and said they were calling in regards to an old debt from the XXXX XXXX XXXX. I stated the debt was paid in full but they could provide a debt verification letter if they wanted to place it was not. I stated it was my right to have them prove the debt and the caller stated it was not and that I clearly had debt since they were calling me at work. Caller refused to provide a debt verification letter. I confirmed the amount paid and said I would email confirmation when they hung up on me. I called the XXXX XXXX XXXX  within 5 minutes and they said they would resolve the issue. 

The apartment manager emailed these addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX And stated the account was paid in full and attached a statement. My partner was CCed on the email but I was not. 

My partner received numerous other spam calls from a XXXX area code which the debt collected ID as them. 

My XXXX  profile was also view by a " XXXX XXXX '' whom is listed as a senior rep at IQ data. 

No letter has been sent in the mail from them and I can show as such, as I have USPS informed delivery.
Complaint sub-issue: Reporting company used your report improperly

Some fly-by-night outfit called XXXX XXXX XXXX was somehow involved in a recent attempt to get a car loan. ( This was put thru by the dealer, not me, I got an instant loan for {$32000.00} from XXXX - literally took less than an hour ). They want too many hard copies of personal info sent via mail, no online services, and the XXXX people seem to have some weird idea of credit scores. While the 3 real agencies had me at 820 +/-, the XXXX reported mine as XXXX, and this scares me. I have no idea who they are, I asked many friends and family, still no idea. I would like my info permanently removed from them, or better yet, shut these shysters down. 

The reasons for denied credit sound like a scam to me. " Proportion of satisfactory trades too low ''. Seriously, what is that? Second reason " Limited history for consumer at this phone. '' Really? 

This really did not affect my purchase, but it is making me steaming mad that another scam has access to my info. 

IF YOU GO TO A CAR DEALER FOR THE LOAN, MAKE SURE THEY DO NOT USE XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

FILE SUIT AGAINST XXXX SOLD DEBT TO XXXX XXXX XXXX SETTLEMED OUTSIDE OF COURT FEARING A CLASS ACTION LITIGATION. TRADELINE XXXX  LOAN XXXX, LAST PAYMENT MADE WAS XX/XX/2013. XXXX RE-INSERTED THIS TRADELINE 5 TIMES OVER THE PAST 7 YEARS.SEE ATTACHMENTS.
Complaint sub-issue: Account information incorrect

Paid balance in full according to company I paid afrer being theatened to be sued. Shows on credit report as settled for less than amount owed. They will not correct this.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 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 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
Complaint sub-issue: Reporting company used your report improperly

The complaint alleges the violations of the Consumer Financial Protection Act of 2010 ( CFPA ) ; 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; and the Fair Debt Collection Practices Act ( FDCPA ) ; 15 U.S.C. 1692-1692p ; in connection with debt collection act and practices.

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information is missing that should be on the report

I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX in Wyoming. I reaffirmed my vehicle lease through US Bank, caught up all payments, and have paid on time or early, in full or extra ever since. I have run all three credit reports ( XXXX, XXXX, and XXXX ), and my lease account is not on any of those reports. At all. I am trying to rebuild my credit and need my positive payment history to be reflected. I went to XXXX XXXX so that I could get it refinanced for the sole purpose of getting it to show on my credit reports, with the lease document in hand and the vehicle physically in the parking lot, and was told by XXXX XXXX underwriters that they could not find record of my lease in credit reports so could not complete the refinance application. I have called US Bank several times, was passed around departments and agents ( and finally a pizza restaurant ). At one point one agent said US Bank reported my lease account back in XX/XX/XXXX but all three of my credit reports are more recent than that, and there is nothing from US Bank. I had a representative USPS mail me a complete transaction history/customer statement of account and with that I have proof that I have the account and that my payment history is perfect since XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA section 807 Violation False or misleading representations. 
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and I am seeking litigation. Please delete at once. 

2. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. You are in violation of XXXX XXXX code XXXX XXXX g XXXX medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Information belongs to someone else

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB XXXX CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX XXXX. THIS LAW FIRM. SPECIALIZES IN FCRA VIOLATIONS
Complaint sub-issue: Problem with statement of dispute

I have been denied credit because XXXX refuses to remove a a negative account from my profile. On my credit report XXXX XXXX XXXX is listed as a seriously delinquent account as of XXXX/2014 although I provided them with a copy of the original contract which states that the contract date was XXXX/XXXX/14 and that the first payment was not due until XXXX/XXXX/2014. Not to mention I paid the first three payments on the date of the contract. I have disputed this item on XXXX occasions and it is an obvious case of XXXX working to keep a bad spot on my credit because XXXX XXXX XXXX is a paying client. XXXX is responsible for what is reported to potential lenders and I want XXXX held accountable for this infraction of the FCRA. It has caused me emotional stress, pain and anguish because I am not able to live my life to the fullest and it is embarrassing to be refused credit especially due to greed. My quality of life has been greatly diminished. Not to mention I have spent days going thru the proper channels with XXXX and I earn {$1000.00} per day.
Complaint sub-issue: Their investigation did not fix an error on your report

I am complaining today on Equifax Credit Reporting Bureau regarding a disputed account within my credit report by the name of XXXX XXXX XXXX XXXX. account ending XXXX which I have provided proof to Equifax with a long-standing investigation that was completed but NOT resolved by Equifax. I have submitted pertinent supporting evidence that real time resolution was erroneously reporting false and incorrect information to my credit. I have further submitted documentation provided from XXXX XXXX informing me through Consumer Financial Protection division that they will remove all past and future reporting. I have received a deletion from my report with XXXX  and XXXX  regarding XXXX XXXXhowever   Equifax has not followed the other two bureaus deletion which as per my rights under fair credit reporting act, I have a right to dispute incomplete or inaccurate information. 

Equifax is causing me undue stress and adverse hinderance that is causing me hardship with refinancing my current mortgage. Furthermore, Equifax has completely shut me down and locked me out of their system from providing any future disputes thru electric methods. I have even tried to reset my password in XXXX of 2020, and still cant get through to them. Equifax had written me and asked me to provide them with a copy of my drivers license and my social security information to prove to them, that I am who I proclaim to be which is utterly suspicious activity to me. I am totally unable to verify who I am electronically due to Equifax locking me out of their system and unable to log in what-so-ever. 

I am requesting that CFPB enforce Equifax to delete real time resolutions from my report based on the proof that was provided to them before they enabled my previous disputes. Further to allow me with access back in their system.
Complaint sub-issue: Reporting company used your report improperly

I recently received a copy of my ( XXXX, Equifax, and XXXX ) credit report, and I notice some late payments posted on my report : XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL 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. 
Did i give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.