Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem adding money

I opened a cash app account XXXX. I used it very little. I made the once in a while transfer to my friends and family without any problems I loaded my cash app card with money at numerous stores. I have problems in New Mexico with federal agents illegally logging into my bank accounts and changing my passwords having banks hold my deposits or force transactions. I have had many problems with many other bank accounts and prepaid cards.I lost my cash app card and two weeks ago I requested a new one. I received it and activated it without a problem. I went to XXXX XXXX yesterday XXXX XXXX to load {$500.00} onto my cash app card to be able to pay my bills. When I got to the register to load the card the store phone rang and then my cell phone rang with a spam call the clerk slid my card and told me the card issuer denied it. I couldnt understand why being nothing was Wrong with my card or the activation process. I thanked the clerk for trying and immediately messaged cash app. The advocate told me that all he seen was two {$30.00} transactions that were declined by my bank. I told him I was not talking about those charges because someone stole my card information which lead the bank to cancel my card as I was awaiting a new one. I attempted to go to 6 different stores and load my cash app card as I have bills that are due my car insurance being the most important. Every single store even XXXX told me that I couldnt load my card. I then knew that federal agents had everything to do with the problem and that the ringing of the phone at the store was to get my card number and purposely deny me of loading my cash app card to pay my bills. The same thing happened to my XXXX prepaid card. I then got very angry because my car insurance is set to expire on XX/XX/2021 at midnight when I messaged cash app again they sent me a message saying currently Youre not able to load YOUR CARD at a store. Why would I be the only person unable to physically load my cash app card? Thats unfair business practices Ive done nothing illegal with my cash app or to cash app. Why they would only apply this to me is beyond me. They then proceeded to lie to me and tell me that in my state loading of cash app cards is not available. When I have loaded numerous cash app cards in New Mexico. I recently changed my social security Direct deposit to come to my cash app account because XXXX was participating with federal agents to do the same thing that now cash app is participating with federal agents to do which is unfair business practices and violations of my constitutional rights. Federal Agents didnt have a warrant that prevents me from using our loading my cash app card so why cash app complied is unknown.
Complaint sub-issue: Account status incorrect

I returned the equipment for this account this was over 7 years ago I settled with this company, I keep on seeing this on my credit file over and over again even though I am no longer liable for this account have I already settled with this company in 2014.
Complaint sub-issue: Debt was result of identity theft

IC Systems Inc is reporting a fraudulent collection on my credit reports that is a result of identity theft. I have notified the company several times but yet they are still reporting the false information
Complaint sub-issue: Denied loan

Applied online In late XXXX ( date? ) Denied loan due to an unknown credit issue on credit report ( Co-borrower ) Resolved credit issue XX/XX/XXXX Gave XXXX tax returns since XXXX was on extension Appealed for XXXX student loan on XX/XX/XXXX I was contacted to give them XXXX W-2 's on XX/XX/XXXX Sent them XXXX W-2 's on XX/XX/XXXX. 
I was contacted on XX/XX/XXXX (? ) saying W-2 was not in the right format ( as issued by IRS ). To send them original W-2. 
Sent them original XXXX W-2 on XX/XX/XXXX. 
I was contacted by email on XX/XX/XXXX, asking for new information : additional pay stub for XXXX ( I get paid monthly, so I had to wait until end of XXXX. Not sure why this was necessary ), record of tax extension, and additional letter from account holder for credit issue saying it was resolved ( sent hardcopy in original application/appeal? ). 
I did not see the email ( my fault, but I get a lot of spam ). They say I received a voicemail on my phone on the XXXX, which I did not receive ( no record on phone of call or voicemail ). 
They contacted my Daughter ( borrower ) to let me know the issue was open. 
I sent information on XX/XX/XXXX. 
I called on XX/XX/XXXX to see status. They say they did not receive email. I received return email from them on the XXXX, acknowledging ( automated ) receipt. 
They told me they would likely deny me the loan due to their policy of closing requests after 60 days. 
I have called them a few times in the process. They often don't know what I sent them and often asked me for items they already had. More of a sign of problems there, just annoying, but likely a sign of unnecessary delay.
Complaint sub-issue: Account status incorrect

On XX/XX/22 I noticed that my old XXXX loan servicer ( XXXX ) and my new XXXX loan servicer ( XXXX ) are both appearing on my credit report. This makes it appear as if I owe double the amount of debt. I owe {$21000.00} in federal XXXX loans and they are appearing twice on my credit report, making it appear as if I owe {$42000.00}. It is impacting my credit score and I was hoping to apply for a mortgage soon. I was informed the switch to a new servicer was taking place in XXXX, XXXX stopped reporting anything after XXXX. I was told XXXX would be taking the loans over from XXXX, but XXXX now has them. 

I contacted the two credit bureaus that show both. Equifax has adjusted the historical data of my loans at XXXX, but the record is still in my report. I am awaiting a response from XXXX. XXXX is only showing the XXXX loans. 

I contacted XXXX and I am awaiting a response. 

This is a serious issue as the reports show my credit score has gone down by XXXX points during this transfer of loans to a different servicer. Those XXXX points are literally the difference between a " good '' credit rating and an " excellent '' credit rating for me. If this is not corrected, I will not be able to get the best interest rates on a mortgage that I deserve.
Complaint sub-issue: Account information incorrect

The payment status for my loan has been incorrectly reported to the credit agencies XXXX  and XXXX and as a result my credit score has gone from Exceptional to Fair. Both show me as 120 days delinquent on the XX/XX/XXXX mortgage payment, even though my mortgage was paid off in XX/XX/XXXX. Note, from XXXX XXXX through XXXX XXXX  I was in forbearance, and was approved to be in forbearance until XXXX XXXX XXXX 

Attached are documents from Loan Care confirming my forbearance, and confirming that my loan was paid in full. Note, I had extreme difficulty in closing my loan with Loan Care. The company did not respond to my requests to obtain the title of my apartment ( stock certificate to my coop ) in preparation for closing. I believe it only did so -- 4 months after my initial request -- as a result of my complaint with CFPB. The erroneous reporting of my mortgage status is another example of Loan Care 's gross negligence. 

I am also writing to the three credit agencies to dispute my score. 

Attached documents : -- Compliant to Loan Care ( two documents ) -- Confirmation of forbearance from Loan Care -- Closing documents demonstrating that the loan is closed -- XXXX & XXXX  credit reports. I am still trying to get the XXXX report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to a dealership and they ran unauthorized inquires that they had NO consent as well as most of these inquires I have no knowledge and never applied to these companies. 
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 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 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 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: Funds not received from closed account

I started a XXXX XXXX XXXX I signed up for square, after a month of using them for payment processing and not even a single charge back or any other problem I got an email that they want to manually verify my account, I called them up and I spoke to XXXX from Square Account Services and provided all the documentation and she said that all the documentation look fine, but then I got an email that my account was suspended and they're holding my money for 90 days without any explanation why or way to correct it, furthermore they did not reply to my emails and I can't call anyone because they took away my account pin required to call in, they are currently holding {$510.00}
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022, a company that I have applied for a mortgage did its final underwriting credit hard inquiry and now I am getting calls from at least 45 different mortgage companies to see if I want a mortgage with them. 
I was told that Equifax has given them my information on the credit hard inquiry. I was under the impression that my account is private and can not be given without my consent.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft please block and delete all transactions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from XXXX XXXX. On XX/XX/18 I sent a certified letter to XXXX XXXX requesting proof of " written authorization '' by me with my signature to pull my credit. XXXX XXXX only responded stating my file was accessed by " a vetted subscriber ''. Thus I am assuming they have to such documentation and do not have written authorization from me to either themselves or their " vetted subscriber '' According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion XXXX XXXX is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my credit report or be provided proof I have given " written instructions ' to pull my credit.

https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-landever-10-12-99
Complaint sub-issue: Information belongs to someone else

I've submitted proper documentation stating that I was the victim of Identity Theft. Please review and respond.
Complaint sub-issue: Debt was result of identity theft

I have no business with ENHANCED RECOVERY CO  or XXXX XXXX  is item is fraudulently report on my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XX/XX/XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is not allowing consumers to dispute stuff on the report. They are in direct violations of Federal Law. They continue to destroy communities with their Fraudulent behavior. Getting tired of not being able to access our own information. They have it to where you have to pay to dispute inaccurate information on your own credit report. These crooks need stopped for once and all. STOP RIPPING OFF THE AMERICAN PEOPLE > AND ACTUALLY DO THE RIGHT THING
Complaint sub-issue: Account status incorrect

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX : XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00} Equifax XXXX XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX CLOSED MY CREDIT CARD IN XX/XX/XXXX AS STATED ON XXXX 'S STATEMENT. THEY HAVE CHANGED DATE ON MY CREDIT REPORT 3X BUT HAVE NOT REPORTED DATE THEY TOLD ME IN WRITING THEY COLSED IT. THERE WAS A BALANCE ON ACCOUNT AT THE TIME OF CLOSING. THWY THEN REPORTED A LATE " CREDIT CARD PAYMENT '' IN " XXXX ON A CLOSED ACCOUNT. 

IN XXXX OF XXXX I MADE A PAYMENT. 

ONCE CARD IS CLOSED THERE IS NO LONGER A " REVOLVING DEBT OWED '' AND NOT 2 MONTHS... 

THEY ARE KNOWINGLY REPORTING WRONG INFORMATION. THIS HURTING MY CREDIT AND SCORE. I HAVE DISPUTED WITH EQUIFAX..XXXX AND XXXX XXXX THWY ALL CLOSE DISPUTE AS RESOLVED AND UPDATED ... YWT ONLY UPDATES ARE CHANGING OF DATES WHICH STILL ARE NOT CORRECT. THEY HAVE NOT ADDRESSED ANY LATE PAYMENT ISSUES IVE DISPUTED. XXXX LATE PAYMENT IS STILL THERE. AS WELL AS A LATE PAYMENT ISSUES XXXX - XX/XX/XXXX WHERE I WAS INCARCERATED ... SENT MY UNCLE IN TO A STORE IN XXXX AND XXXX OF XXXX WITH A NOTARIZED POWER OF ATTORNEY WITH XXXX XXXX LISTED EXPRESSLY AS SOMETHING MY UNCLE WAS AUTHORIZED TO HANDLE FOR ME... THEY REFUSED HIM ANY INFO ABOUT MY ACCOUNT ... WOULD NOT TAKE MY PAYMRNT... THEY TURNED DOQN MY MONIES WITH LEGALIZED DOCUMENTATION AND A VALID ID ... .THEN THEY PUT ME DOWN AS BEING LATE. PLEASE CONSUMER CREDIT HELP ME HERE AS I FOLLOWED LEGALIZED WAY TO GET THEM PAID. AND THEY REFUSED TO TAKE MY PAYMENT. HOW AM I LATE IF YOU REFUSE MY PAYMENT. HOW IS THAT ... YOU REFUSE MY PAYMENT ... .LEGALLY NOT ABIDEBY DOCUMENTATION THE COURTS SAY IS VALID IF SIGNED AND NOTARIZED AND ID MATCHIND NAME IS PRESENTED ... .SO THEY BASICALLY TURNED DOWN A PAYMENT FROM ME... BUT I AM LATE ... HOW CAN THAT BE LEGAL OR EVEN FAIR. IVE HAD WHITE FRIENDS DO THE SAME AND THEY WERE HELPED ... .ID HATE TO THINK SAY AND OR TELL PEOPLE THAT THIS WAS SOMETHING RACIST ... .HE WANTED TO MAKE A PAYMENT ... EVEN TOLD REPRESENTATIVE THAT HE DID NOT NEED INFO... HERE IS MY INFO... JUST MAKE PAYMENT... AGAIN REFUSED ... .BUT ... NOW ... I AM LATE. PLEASE HELP ME ....
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX This letter is complain to Equifax to erase an error account from my report XXXX XXXX XXXX shows one missed payment I talked to equifax and also to the creditor and asked equifax to erase the account  from my report because I was an authorized user on the card and creditor agreed to take me out from the card so Im no longer an authorized user please erase it from my report
Complaint sub-issue: Company closed your account

On or around XX/XX/2022, PNC bank closed my personal checking account, two savings accounts tied to it and a business account, suddenly without warning or explanation. When I called customer service I was given an 800 number along with a reference number and was told they were closed by the fraud department. When I called the fraud department they said they didnt have to tell me any reason why but my funds of just over {$11000.00} were sent by cashiers checks through the mail. In the meantime, I am locked out of all my accounts, have no access to any of my money and Im extremely concerned about a paper cashiers check being sent through the mail. PNCs abrupt seizure of 100 % of my money is unconscionable and has caused tremendous disruption to me personally and my business. I am on my second day having had to borrow money as I have no access to my own.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to change my name in the Equifax system for the last 3 months to no avail. In 2016 I legally changed my name. The other credit bureaus either have both names on file or my current name. I had no difficulty making the updates in their systems. However, the Equifax process is terrible. When I initially called them about changing my name, they told me I had to fax the documentation to them. When I informed them that I didnt have a landline telephone to enable me to fax, they said my only recourse was to send the documents through regular mail but it would take longer. They said they couldnt facilitate receiving scanned documents the way most technology businesses today can. So I mailed the documents. Later, I stumbled upon their my Equifax site. There I found I could file a dispute to change my name online. I uploaded my new drivers license, my new social security card, and the court order approving my name change as requested. A month later I received an email notice that my dispute was closed. I never received information about why my name hadnt been changed, but the system didnt reflect my new name. So I filed another dispute with the documentation they requested and I called them. The gentleman I spoke to said he could see my dispute and that I included the appropriate documentation. Today I received another email informing me that my dispute was resolved but it was addressed to my old name. The email gave me the link to the my Equifax website to check the dispute results. After I login, the site informed me that I had zero disputes. It also indicated I had alerts. The alerts indicated I had dispute results. When I clicked on that link, it logged me out of their system. They keep denying my request without telling me how to fix it. Im afraid that I wont get this resolved before the rates go up substantially. Im struggling to understand how a technology dependent company can have such bad technology. Please help!
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX-2013 Not my account Fraud account identity theft
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Bankruptcy was dismissed  XX/XX/XXXX  and still has not been removed. ( Was originally filed XX/XX/XXXX  ).
Judgment was satisfied Supreme Court State of N.Y  XX/XX/XXXX  and still has not been removed.
Complaint sub-issue: Information belongs to someone else

There are accounts on my credit profile. They aren't mine. Please remove them.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I have sent two letters to each of the bureau which have not been responded to in over 60 days. I requested incorrect information be removed from my report. I also filed a CFPB complaint and the company has still not removed the information. This company is reporting fradulent and inaccurate information. 

Under the Fair Right Reporting Act, I have the right to dispute incomplete or inaccurate information. 

After reviewing my credit report. I feel i might be susceptible to identity fraud. The bureaus are reporting addresses that have never belonged to me. 

My one and only ADDRESS IS XXXX XXXX XXXX XXXX, XXXX Co, XXXX PLEAS REMOVE ALL OTHERS. They are undeliverable or fradulent. 

My one and only name is XXXX XXXX XXXX, please remove all others. 


My date of birth is XXXX, please remove all others. 

I HAVE NEVER LIVED AT XXXX XXXX XXXX. PLEASE REMOVE I HAVE NEVER LIVED AT XXXX XXXX XXXX PLEASE REMOVE. 
I HAVE NEVER LIVED AT XXXX XXXX XXXX. PLEASE REMOVE. 

I AM DEMANDING ALL FRADULENT INFORMATION BE REMOVED FROM MY REPORT. 

I have attached proof that incorrect information is being reported and i have also attached my social security card and a bank statement as identification and proof of address.
Complaint sub-issue: Account status incorrect

Equifax is reporting two medical accounts on my credit report as being in collections with the debt collector XXXX XXXX XXXX. They are designated as XXXX. 

For two reasons, these two accounts fall under the new rule that went into effect XX/XX/2017 regarding medical accounts. ( 1 ) both accounts were incorrectly billed by the original creditor, and as a result were initially not appropriately covered by my health insurance company. Accordingly, I disputed the accounts. An audit process was initiated by the original creditor ( XXXX XXXX XXXX ), with the result that additional insurance payments were received on the two accounts, and then the remaining balance for both accounts were immediately paid down to zero -- paid directly to the original creditor, not the debt collector. ( 2 ) During the dispute and audit process, the original creditor had assigned the two accounts to debt collector XXXX XXXX XXXX, even though ( a ) six months had not passed, and ( b ) the accounts were in the process of dispute and internal audit by the original creditor. 

Rather than deleting both accounts from my credit report entirely, Equifax simply updated the two accounts to show as " paid '' with a zero balance. Consequently, they unfairly lower my credit score. That is not correct according to the 2017 FCRA rule. Both medical accounts should be deleted, rather than penalizing me for errors made by the original creditor.
Complaint sub-issue: Public record information inaccurate

Im a victim of identity theft. All the criminal charges that are appearing on my consumer report are fraudulent and dont belong to me. I dont recognize them nor did I authorize them. I ask that you follow the guidelines of the FCRA Section 605B and please delete and blocked all fraudulent information from consumer file. Attached is a copy of my Ftc, Police Report, section 605B of the FCRA and a copy of my Drivers license.