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

I originally got XXXX XXXX  in XXXX of XXXX and had the account for a few months before I fell on hard times.The account never shows any of my on time payments. The account then started to show late payments which I understand, but they have consistently reported late payments throughout all of XXXX, XXXX,. XXXX, and XXXX of 120 days late. I have tried disputing the information as inaccurate on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The item should have been written off as a charge off from what I read online. But I read on a credit forum that they are doing this to keep the account active and get around the stature of limitiations and also the 7 year rule for Credit items. This is highly illegal which violates the FCRA and FDCPA on a state level and federal level but keeping the item active. When I log into my XXXX report it does not even state the date the item will fall off because of what they are doing. They are purposely keeping my credit low with late payments and dragging it out to keep my scores low.
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

US Bank Corporation is charging me overdraft fees on debits that have not yet been posted and when I still had a positive balance in my account. When I questioned them as to why they were doing this, they seem to think its OK to look at debits not cleared or posted yet, ascertain I may become overdrawn and quickly hit me with an overdraft fee of {$36.00}. before the debit has ever been posted. There is something wrong with what they are doing. They has done this to me before, and seem to start hitting your account when you have XXXX or less in acts. In XXXX. I had {$330.00}. in my account. I had a debit of XXXX. My balance was {$280.00} but they listed it at XXXX. Then I spent {$68.00} and had a balance of XXXX. They said my balance was XXXX. I then had a debit of {$56.00}, which should leave me with {$150.00}, but instead the bank said I had a balance of $ XXXX. Unavailable funds of {$230.00} and started charging me overdraft fees of {$70.00}. How can they be allowed to do this? Hold money that has been in my account for weeks, and charge overdraft fees on purchases that have not even cleared yet?? Overdraft me because they are holding up.my money as unavailable? I understand you overdraft your account with a purchase, and you pay an overdraft fee. But I do NOT understand what US Bank is up to, holding your funds as unavailable even when they have been in your account for weeks, and then charging an overdraft fee because they are holding your funds? Something is wrong. They have No Right to charge an overdraft fee and overdraft me UNTIL the debit has cleared and I am overdrawn. I am withdrawing my finds and going to a new bank that is more transparent. Please look into these practices of holding funds and charging fees before anything has been posted.
Complaint sub-issue: Account information incorrect

Auto insurance renewal with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, dated XX/XX/2020, Fair Credit Reporting Act Notice has incorrection information which has had an adverse affect on insurance premiums. The report states that I do not qualify for a more favorable discount due to the items listed on my credit report. 
Renewal dates XXXX XXXX. 


Equifax generated the report
Complaint sub-issue: Their investigation did not fix an error on your report

I, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXX of 2022 I submitted a CFPB complaint against XXXX for reporting unverifiable public record information to my XXXX credit report and file. The unverifiable public record account being reported by XXXX is as listed : XXXX XXXX XXXX XXXX XXXXXXXX Reference # - XXXX. XXXX claims that this public record being reported has permissible purpose because it was verified as accurate by reseller Lexis Nexis as of XX/XX/2022 but Lexis Nexis is saying the complete opposite. Lexis Nexis is saying that the public record is unverifiable and that Lexis Nexis has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. XXXX, claim they investigated this dispute and that it was verified as accurate by Lexis Nexis but there is no way they attempted to investigate the accuracy of the information if LEXIS Nexis is saying that the information is unverifiable. If Lexis Nexis sold this information to XXXX and are now saying they can not verify the information and the US Bankruptcy XXXX located in XXXX is also saying that they do not verify or validate disputed information, then that means that XXXX has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If XXXX refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the US XXXX XXXX of New Jersey before a competent court of law! XXXX can be held liable criminally and civilly for these FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.
Complaint sub-issue: Reporting company used your report improperly

I notified Equifax, XXXX, and XXXX about the Federal Violation of 15 USC 1681b- Permissible purposes of consumer reports ( a ) 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. 

I NEVER GAVE EQUIFAX, XXXX, AND XXXX ANY WRITTEN CONSENT TO REPORT ACCOUNT # XXXX XXXX XXXX XXXX. 
NO CONSENT IS IDENTITY THEFT, WHICH IS A FEDERAL CRIME.
Complaint sub-issue: Debt was result of identity theft

MY IDENTITY WAS STOLEN FROM ME. PNC CARD WAS NEVER MINE, AND I HAD ALREADY ALERTED THE BANK.I ALSO WENT TO THE POLICE STATION TO OBTAIN A POLICE REPORT.
Complaint sub-issue: Account status incorrect

There is an account that is settled on my credit report reporting as derogatory. Both the account status and the comments on both XXXX and XXXX are reflecting as paid/settled however the payment status is reflecting Collection/Charge-off.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Discover is advertising their student credit card as " NO CREDIT REQUIRED '' once I have submitted application I have ended up getting a hard inquiry. It's a false advertisement!!
Complaint sub-issue: Account status incorrect

Hi, Account showing in collections and account is paid. Please, remove from the credit reporting section of report. Balance is 0. Account is not in collections. Please remove. 

Thank you.
Complaint sub-issue: Public record information inaccurate

OK I have received a inquiry on my Equifax, and XXXX XXXX, and XXXX, credit bureaus. This is a un AUTHORITIES inquiry on my credit report..THIS UN AUTHORITIES inquiry has DROPED my CREDIT score 36 points.. I had a XXXX now it a XXXX which has hurt my credit score. I didn't apply for any credit lines so this is a mistake or fraud .. I guard my credit scores and protect it. I MONITOR my credit scores everyday to make sure it says right.. I had my ID stolen before so I keep track of it everyday so can know if something is wrong ... the company name is XXXX address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.. I am disputing these inquiry with all three credit bureaus and the FTC and cfpb.. this is a violation of my rights. I am unaware of XXXX and I don't know why they did a un AUTHORITIES inquiry on me for ... I NEED them to send my a contract with my signature on it. I did not sign any thing with them and don't know how they ran a inquiry on my and hurt my credit. this is a violation of the fair debt credit reporting act ... they have damaged my credit and I use my credit to do business. this will hurt my ability to do business and make money to take care of my family.. I DEMAND THAT XXXX TAKE THIS UN AUTHORITIES INQUIRY OFF MY CREDIT IMMEDIATELY .I HOPE I WONT HAVE TO ESCALATE THE SITUATION.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

I had filed XXXX  XXXX and it was for 4 years. I paid continuously for three years. Life circumstances happened. I was unable to pay the last year so my XXXX  XXXX was dismissed. Collection agencies started bombarding me. I was able to work with some and make affordable payments. XXXX XXXX which is XXXX XXXX started sending me papers to appear in court. I missed the first one as I was very pregnant, high risk and majorly XXXX. Then a policeman showed up with the court papers and told me if I didn't go to the next court appearance I would go to jail. Went to court. Told the lawyer I was unable to pay {$200.00} a month but could pay $ XXXX she said smallest amount I could pay was $ XXXX. I tried paying the best I could. I'm the only one working in my family. I'm working overtime just to survive. They did a levy on my bank account for one month. They have sent out another letter for me to appear in court. These people are the worst type of people and only out for blood. My XXXX  and XXXX has almost gotten to me numerous times. The lawyers for that company XXXX XXXX XXXX XXXX and XXXX XXXX XXXX from XXXX.
Complaint sub-issue: Account information incorrect

On XXXX XXXX, 2017 I began the purchase of a used car from XXXX XXXX XXXX in XXXX Hawaii. The purchase price was {$42000.00}. I planned to make a {$25000.00} payment leaving {$17000.00} to be financed. 
XXXX XXXX contacted XXXX XXXX among others to arrange the financing. We ultimately financed through XXXX XXXX. 
Subsequent to the purchase I received a letter ( copy attached ) from XXXX stating that they declined to finance the balance owed. They stated as a reason that a company called SageStream only gave me a FICO score of XXXX. That number is not valid. My current FICO score at XXXX is XXXX ( see attached copy of my score ). 
I do n't know who SageStream is or for that matter why anyone would try to use their service. You can only contact them by mail and they want hard copy documentation of Social Security Number, date of birth, driver 's license, address, etc. Given the way personal information is handled today, there is no way I intend to send that kind of sensitive information to some unknown entity. 
I do not believe that SageStream is providing accurate information to potential lenders and that they need to be put on notice that damaging someone 's credit or misrepresenting their credit score can have serious consequences. 
Since I was able to complete my transaction without any adverse consequences I will not be contacting my attorney. However, if this company ever again misrepresents my credit profile, I will seek legal redress. 
I think CFPB to be aware of this company. They need to be looked into.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Cashapp withdrawal on XXXX XXXX XXXX XXXX? sats Cashapp withdrawal on XXXX XXXX XXXX XXXX sats I was told that these were bitcoin transaction withdrawals. I dont even know how to do bitcoin. Secondly the withdrawal on my account how where I have NO Knowledge of. Cashapp closed the investigation stating that I Authorized the withdrawal! Im at a loss but I authorized the withdrawal! That doesnt make sense! When I click the transaction its NOT giving information about whom it may have went to or where. I said this may be some type of FRAUD or SCAMS. Has to be. I didnt Authorize these withdrawals. And to stop investigating without giving the client information is preposterous! You playing with people livelihoods. I dont have money to just disappear and I not know where it went. Usually I get a NOTIFICATION of anything on the account. I wasnt notified about the withdrawals. Went to pay my bills and my money wasnt there!
Complaint sub-issue: Debt is not mine

I never had XXXX I have had XXXX for the past 8 years and. An prove it. I communicated this to others XXXX and afni but they still wo n't remove.
Complaint sub-issue: Their investigation did not fix an error on your report

i have contacted all XXXX credit bureaus as well as XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$920.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...
Complaint sub-issue: Not given enough info to verify debt

Unknown collection through this company. Requested validation, disputed with no outcome.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX requesting to remove the Fraudulent Information : XXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$72.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.
Complaint sub-issue: Deposits and withdrawals

Pnc has ceased to allow me to use my third party connections to manage their banking products forcing me into their ( poorly featured ) products.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please Delete all of the listed unauthorized inquiries from my credit report immediately due to its impact on my credit. Did not authorize verbally, in writing or initialed. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX BANK NA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

My services were cancelled at XXXX XXXX XXXX XXXX # XXXX XXXX CO XXXX on XX/XX/XXXX. I requested a final bill be sent to me. XXXX/XXXX   never sent a final bill and they abruptly place a negative collection mark on my credit reports with XXXX, XXXX and XXXX. That has seriously damaged my credit and is in direct violation of FDCPA laws.Furthermore it appears my account may have  been transferred to Enhanced Recovery Company who i have never heard of. That is a double FDCPA violation because not only didnt XXXX/XXXX  not send me a final bill and damage my credit, Enhanced Recovery Company never contacted me in anyway to send me any collection notice and took away my right to dispute. I am asking for XXXX/XXXX  and its collection agency to immediately remove any reporting to the 3 major credit bureaus and send me a final bill. The amount showing on credit reports is {$150.00}. Online account shows a different amount and there are no bills available to view online so there is no valid proof of debt available to me. I am unable to view any bills online and last bill i received was XX/XX/XXXX. In my discussion with XXXX and chatting with agent by the name of XXXX, I was advised if i want it removed from credit bureau i have to either pay in full to XXXX or to the collection agency. here is the excerpt below from our chat session XX/XX/XXXX at XXXX 1. We can process the payment for the final bill then I will submit a request to remove the credit report, however, the removal will take up to 30 days from the date of the payment. 

2. You can contact the Enhanced Recovery and make a payment with them directly for a faster removal of the credit report, XXXX. 

I advised that I am not paying anything without seeing the final bill first and furthermore having the negative reporting deleted first. 

This further backs my claims of illegal tactics by these companies.
Complaint sub-issue: Attempted to collect wrong amount

When I noticed the debt on my credit report, I attempted to contact the contact : Enhanced Recovery as they were listed on the credit report. 

I spoke with an agent after negotiating with XXXX XXXX XXXX XXXX and Enhanced Recovery that the debt would be deleted if paid. 

Enhanced Recovery notified me that they would delete the debt once I paid the agreed upon settlement. I requested a letter in writing or via email before payment. The representative stated they could not send the letter until it was paid. 

After calling Enhanced Recovery, A XXXX XXXX XXXX and credit bureau about the misleading statements, no one has deleted the collection. 

I called Enhanced Recovery several times and explained the misrepresentation when I made the payment. Several agents have responded with, " we do not pay to had the collection remove, call the credit bereaus. '' Another stated, " ask the credit bereaus what to do to have the debt removed and have them remove it. '' I have asked for a manager, no call as of current and have called daily. The company Enhanced Recovery lied to me, took my payment ( verbal contract which is valid since they received payment ) and did not keep their end of the agreement. 

Please assist as I have done everything I was supposed to do as I could and have fixed my credit in order to rectify my life as it is affected by the reporting of this information.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2012, I call the company ( First Premier Bank ) to pay off the account. They told me the account was sent to the collection company. I've tried to pay this account for the past 7 years with so many collection companies. It's been over 7years it needs to be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX;XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX and XXXX XXXX XXXX;
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX was paid last year in XX/XX/XXXX. They are improperly reporting on Equifax credit report charge off balance XXXX. The balance is {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed the inaccurate reporting or errors on my credit report with documentation. XXXX  did not remove the accounts
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. 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. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5800.00}
Complaint sub-issue: Debt is not yours

I asked for verifiable proof that the debt was mine and have not been given that. This debt was the cause of Identity Theft. I disputed early part of 2019, please help me resolve this matter.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  : # XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I Do not recognize these accounts