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

Public records the court itself did not furnish any of this information to the credit bureaus. But what I do know is that the bureaus get public records information from companies ( a.k.a. Data miners ) like XXXX, or sometimes XXXX. These data miners are for-profit companies that are in the information-selling business. They regularly collect public records information into their database and then they sell it to the main 3 credit bureaus., because it is a violation of the Fair Credit Reporting Act to report false information .Date contact them XXXX XXXX and XXXX XXXX
Complaint sub-issue: Problem during payment process

On XXXX, I had a balance of XXXX} on Citi card account ending in XXXX. The 0 % interest offer was set to end XXXX XXXX XXXX, 2021, I took out a 0 % XXXX card to transfer the amount which included a three % transfer fee. On XX/XX/XXXX, I was told by XXXX  that the transfer could not occur for 8 to 10 days, which was past the 0 % date for Citi card. I did not want to pay accrued interest on Citi card so I transferred {XXXX} from my HELOC with XXXX XXXX XXXX XXXX XXXX and paid it off on or about XXXX. I contacted XXXX and requested a cancellation of the transfer but they said they couldn't cancel the request and the actual transfer went through on XX/XX/XXXX. I now have a credit balance of {XXXX} with Citi card. I requested on XX/XX/XXXX that this be returned to my bank. I was told it would take 2-3 working days to return the funds. On XXXX first I called Citi card and was told it would take 7 days to return the funds. On XX/XX/XXXX I called Citi card and was told it would take 7-14 days to return the funds. 

The funds have cleared my bank. There is no legitimate reason for Citicard to hold my money. It can be returned to my account with the push of a button. They are getting interest on my XXXX} and I am paying interest on it. Please help expedite the return of my money. XXXX XXXX
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE REMOVE THE DEROGATORY ACCOUNT OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THOSE ACCOUNT. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND CORRECT YOUR REPORT FOR THOSE ACCOUNT WERE INACCURATELY PLACED ON MY FILE.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX - XXXX XXXX has been addressed multiple times this regard. Since the last negative reporting is over 5 years, they were asked to remove negative items from the credit reports. It has been over 30 days and nothing has been done by the creditors or the XXXX. The last negative item was provided to the reporting agency in XX/XX/XXXX. Yet, all fails to remove this from my report. Also, proof of the negative items were requested by  XXXX XXXX, 30 days late and March 60 days late was never provided. All the creditors take thier word and NEVER ask for proof nor have provided me any. Since this was an old report I had asked multiple times, to include XX/XX/XXXX, to get the negative items or XXXX   as a whole removed from my credit history. XXXX was paid in full and I had them close the account. Why is date of status atXX/XX/XXXX???? in the XXXX  report? This can cause XXXX employment issues and credit issues. The negative is more than 5 years old. This needs to be removed. By law, they can remove it and chose to leave it there. Reporting is optional, but not by law. This can be removed at any time. I asked XXXX to be reasonable to remove them totally from all reports or at least these two things. I receive a electronic computer generated report that they are right, no proof or reasoning. NO further repeat investigation will be done. This go for the creditor and XXXX. I am trying to fix my report to work. Lack of cooperation and abuse continues. They, at this point, are required t prove what thy are reporting. 

XXXX is the crediting bank.
Complaint sub-issue: Their investigation did not fix an error on your report

Still at with Lexis Nexis. At last count, 39 Disputes. As of XX/XX/XXXX the fix has been ; We have now no Car ( we own one ) We have now no Home, no Home at all. We bought, own and maintain a Home since XX/XX/XXXX. 

The previous property listed prior to XX/XX/XXXX we walked away from. A Home Listed in A Bankruptcy that was discharged in XX/XX/XXXX. My one of many deliberate reasons I have issues with Lexis Nexis. XXXX Deliberate as I have disputing this among many more created and stubbornly refuse to correct.
Complaint sub-issue: Personal information incorrect

My first name is XXXX XXXX XXXX XXXX XXXX XXXX but equifax is reporting XXXX XXXX XXXX XXXX XXXX missing the second letter I between the V and A after many disputes equifax refuses to update my name and its becoming frustrating and overwhelming please help. Attach to this dispute I am providing an utility bill to prove my case
Complaint sub-issue: Problem with personal statement of dispute

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 This issue was not only NOT resolved but there was no evidence of a thorough investigation as well as credible references. This company is extremely untrustworthy. They have over XXXX disputes against them.
Complaint sub-issue: Company closed your account

XX/XX/21 us bank XXXX XXXX XXXX branch manager of XXXX XXXX night I had stopped by US banks ATM machine and attempted to deposit cash into my bank account. After deposit the ATM machine did not credit my account nor give me back my cash. Instead it issued receipt and told me to call a number in regards to my issues. Upon calling said number I reached XXXX branch manager of store XXXX. XXXX was Extremely unhelpful he was bias from the start of the call. He wouldnt listen to my complaints and concerns he showed no compassion nor degree of wanting to solve the problem at hand. He argued with me and I had a number of times threaten to close my account at which times I would remind him that you can not be in your personal bias and then get mad at the customer for letting me see how you came out of your professionalism and now letting your personal hangups dictate the way you were. There was no reason for him to threaten to close my account I simply needed him to do his job and help me out.He wanted to argue and did so with me for over an hour before allowing my request to be submitted. After he said he submitted my request for investigation. I called back the next day to check in with my account and was told by that agent over the phone that Monday was a holiday and I probably would not be a progress made into the investigation. So there next Tuesday I went to my local bank branch the same one with the broken ATM and asked if there was anything that I can do or need to be done she said no call the number on the receipt. I again went home call the number on the receipt asked of woman on the phone if there was anything US Bank do to alleviate any of my stress and anxiety due to my money not being available yet I have bills to pay this week. The woman and I talked for over 45 minutes where she attempted to call the US name bank branch again and ask the bank why there was no immediate Solutions for the problem at hand. Turns out there was nothing that could be done but she then told me that she could put in another paper to experience process thank you so much and have a nice day that was the end of that car. Fast for Thursday I called back to check in on the investigation only to find out that my account has been forced to close by branch manager on Wednesday due to a conflict that we had on Monday, XX/XX/XXXX. There are a couple of things wrong with this because again the young man has no grounds to terminate my account during the call but she still wanted to do but there was no grounds he threaten me in the car XXXX and XXXX XXXX times that he wanted to close my account and couldnt do it for me to call but he has no grounds now come to find out that he so wholeheartedly vindictive and malicious he wanted to attack and a customer Who was only seeking some help with a problem incurred by the bank. So now not only am I out of my cash money from this ATM I am targeted by a bank employee who Is racially biased against XXXX-American sounding customers. This is totally unacceptable and inappropriate.
Complaint sub-issue: Reporting company used your report improperly

In a accordance with the fair credit reporting act XXXX account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX
Complaint sub-issue: Information belongs to someone else

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent account.
Complaint sub-issue: Company closed your account

On XX/XX/2022, I called US Bank when someone attempted to log in to my online checking account using my email address. The customer service agent instructed me to change my username and password. I did so. 

On XX/XX/2022, I tried to use my debit card connected to the checking account and it was declined. I tried to log on to my online account, using the new username and password, and was locked out of the account and could not log in. 
I called US Bank and they informed me that my account would be closed, and that I would be able to receive the remainder of my funds by visiting the local bank branch. They did not give me a reason for closing the account. They told me it was being handled by the XXXX Department. 

On XX/XX/2022, I received XXXX notices in the mail from US Bank that they had reversed transactions to my account that were reported to them as unauthorized. 
The total amount from the reversed transactions is {$2200.00}. 
I did not report any transactions as unauthorized, and I do not know who reported them as unauthorized. 
The reversed transactions to my account were dated XX/XX/XXXX thru XX/XX/2022. US Bank was not authorized to reverse these transactions and was not authorized to remove any funds from my account. 

My account with US Bank is still closed, and I have not been able to receive any of the remaining funds in my account. I have also not been able to log on to my online account to check the balance or status of the account. I have called the local bank branch twice, and they were unable to help me. All they could tell me was that the account closure process was not complete, but could not provide a date when it would conclude. 

I applied to open another checking account with a different bank and my application was declined by XXXX XXXX XXXX. I've requested a copy of my Consumer Report from XXXX XXXX XXXX at XXXX.
Complaint sub-issue: Account status incorrect

During the Covid-19 pandemic, I had put my mortgage with XXXX XXXX XXXX into a Forbearance Plan beginning in XX/XX/2020. XXXX XXXX XXXX clearly stated in our Agreement ( attached, Page 2 ) that they would not report my account to credit reporting agencies as delinquent. 

On XX/XX/2020, I sold the property and repaid the mortgage to XXXX XXXX XXXX IN FULL. One week later I received a notification from Equifax and XXXX that XXXX  XXXX XXXX had reported my loan to the credit reporting agencies as 90 days delinquent and my credit score dropped 83 points. I was in the process of refinancing the mortgage on my personal residence and that is now delayed because of this. With rates rising, XXXX XXXX XXXX is going to owe me compensation for this. They clearly are in violation of our agreement. 

I contacted and filed a dispute with Equifax and XXXX and they stated that " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. '' I need to have this " delinquency '' removed from my credit reports and XXXX  XXXX XXXX needs to compensate me for losses sustained from not being able to refinance my personal mortgage at a lower rate.
Complaint sub-issue: Can't use card to make purchases

Open prepay Discover card It account to use online shopping. Received card and used the card online shopping. Received an email on phone from Discover Fraud Prevention Inquiry XXXX XXXX XX/XX/2020 please call 24hrs. Grab the laptop ( in case of bad email spammer ) and sign in acct. Account was not available and said " Call this number ''. Called the number and ask what was wrong. They did not have access to that acct and could not tell me what was wrong. Now I am concern and mad. I have no idea what was going on with acct and neither did they. I told them to close it and she said she could not do it. Hung up and called again and after being put on hold on and off the acct was closed. Then I was told I would have access to the acct since it was closed. My credit score would be lowered due to closing my acct because I received a fraud alert with 24 hour service ( email archived ) because someone pushed a button and went home. My account had no unauthorized charges and as far maybe an identity problem I have a bank acct, no debts and my house in my name paid for. Discover could have freeze the acct. and let me know to call in the morning and so many other professional options questioning the acct.
Complaint sub-issue: Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reportingXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number  : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 11. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 12. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 13XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 14. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 15. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 16. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 18. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 20. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 21. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Account status incorrect

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : DEPTEDXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX DEPTEDXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not permit DISCOVER XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To run an inquiry on my credit. I have not written anything saying that I was interested in. I don't even shop with these companies.
Complaint sub-issue: Company closed your account

None of the previous information on this form applies because there is no option for selecting " Other '' or " N/A ''. In early XX/XX/XXXX I saw on the State of TX website for unclaimed property/money that CitiBank had unclaimed money belonging to me of {$290.00}. It was reported in XX/XX/XXXX, but the reason for it was unclear. I had no accounts with CitiBank. In the past, I had 1 credit card through them, but it was closed a number of years ago. My complaints against CitiBank include the following : 1 ) I spoke to several different depts of CitiBank and was told by all that they had no record of having unclaimed money belonging to me and therefore, could not refund it to me. - CitiBank made no effort to contact me regarding that money because my address, phone numbers, and email addresses have not changed in many years. 2 ) I eventually recovered the money by going through the State of TX, but if I had not seen it on their website, I never would have been notified or received my money, thanks to CitiBank. I wonder how many other people 's money they are holding with no attempt to contact them.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX sold my old account to a collection service. I hired XXXX XXXX in XX/XX/2017 and disputed the collection account. It was removed in XX/XX/XXXX/XX/XX/2017 from all credit reporting services. Most recently the account was sold to another agency XXXX XXXX XXXX in the amount of XXXX. They are attempting to collect a debt that was already disputed and found in favor of me the consumer and dropped from my reports. It has now been added once again under a new firm. I called and explained this to them and they acknowledged the dropped dispute but then proceeded to try and tell me this was for a second line. They provided no proof and i was never notified of such an account.
Complaint sub-issue: Account status incorrect

I opened a personal loan with  XXXX   XXXX   XXXX  in early  2017.   I reviewed my credit reports earlier and noticed that  XXXX   XXXX  listed    XXXX   separ ate accounts on my  XXXX  and   XXXX   credit reports.  One of the accoun t listed an account that was open for a month and then sold to another lender. A new account then appears which is the one which is still valid. I Only opened a single account and do not wan t   XXXX   account s listed on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Complaint sub-issue: Their investigation did not fix an error on your report

I have recently send a letter to Equifax regarding my name. Equifax has my name as XXXX XXXX XXXX XXXX, Im not a XXXX  I have send in my Drivers License so they can correct it but they still refuse to. And, they keep telling me that a bankruptcy on my court report came back verified.
Complaint sub-issue: Information belongs to someone else

Ive been cosistent paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I dint understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act 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