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

on XX/XX/XXXX had credit limit of {$1700.00} and paid full amount and have {$0.00} balance and don't have Macys Credit card anymore. its paid and will like to remove please. reached out to company and still haven't removed from credit reporting agency 's. 

On XX/XX/XXXX had Credit limit of {$1700.00} on XXXX Credit card. Balance paid in full and nothing owed. Don't have credit card anymore and will like to have removed from credit report, disputed charge and still haven't been removed from credit reporting agency 's. 

On XX/XX/XXXX opened credit card with XXXX XXXX/XXXX   XXXX  and account is closed and paid of {$81.00}. Will like to have removed from credit reporting agency 's. disputed to have removed off account and still showing on credit. 

On XX/XX/XXXX got an auto loan with XXXX XXXX XXXX XXXX. Made last Payment on XX/XX/XXXX and no longer owe on my car and will like to have removed from credit reporting agency 's. reached out to company and still haven't been removed
Complaint sub-issue: Information belongs to someone else

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. During a further investigation of these accounts, they are the same accounts, brought and sold, reopened and reporting twice. Theyve be on my account for several years, having taken out some loans while attending XXXX XXXX University I new Id have some student loan debt after I lost my athletic scholarship, but none to this magnitude. They are set to be remove in the fall of XXXX, so Ive been suffering from this long enough, Ive at the point in my life where my credit is important, I have a family and secure employment, Ive paid close attention to my credit reports and have found numerous errors and fraudulent activity stemming from XXXX until now. A previous dispute for the consolidated account and total for this listed below has already been removed, switch should be more than enough proof of the fraudulency and inaccuracies. Several hard inquires were made under my name which could have stemmed from a relative of mine, who has had my information since I was living with him while in high school and he claimed me as a dependent on his taxes, hes denies any wrong doing, my information was also breach in the Equifax leak as well, and Ive lost a wallet with several of my personal information such as ID, BANK CARD, and my original SSN was in there.
Complaint sub-issue: Reporting company used your report improperly

Recently, I took a look at my credit report and I have shockingly found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation of not reporting 100 % accurate. 

1. XXXX XXXX, Account # : XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Complaint sub-issue: Information belongs to someone else

This wois placing fraudulent information in my credit history and current status.
Complaint sub-issue: Problem with rewards from credit card

I had two credit cards with Citibank, I cancelled the Citi XXXX card on XX/XX/22 because I couldn't justify the annual fee with my spending habits. At the time, I had XXXX Thank You Points. Note, the two cards were combined in Citi 's Thank you point program. I was unable to see the Thank You Points separately in the program website, from everything I could see, the points were combined and not associated with either card anymore. 

I ask the CSR if I needed to do anything with the Thank you points after cancelling, since the cards were combined. I was told no, because they are combined. I received a confirmation email that my XXXX card was cancelled on XX/XX/22, it stated that I needed to use the thank you points within 60 days. It also stated you won't have access to the site unless you have another card, which I do. I assumed this was a generic email that did not differentiate between combined and non-combined Thank you points accounts. 

I logged into my account in XXXX and noticed that XXXX thank you points had disappeared, I called the Thank you Department and was told there was nothing they could do because it was after 60 days. I called back and the new CSR tried to reinstate my XXXX card to see if they could fix it that way, but it was denied due to the time frame. At this point, I was told the points were gone forever. No other options were provided, I would have been happy with a similar credit on my other open card. 

I lost {$900.00} worth of points because of a misunderstanding on how the cancellations work when you have multiple cards that are combined in the Thank You Points program. At a minimum, the points should be paid out as a credit at their lowest {$0.00} cents value. Why would points that I earned just disappear? Why would a reasonable consumer cancel a card with {$900.00} of points on it to save a {$99.00} annual fee?
Complaint sub-issue: Seized or attempted to seize your property

there is company palisiades collections that is trying to sue me, for a debt that is 14 years old. sent a judgement to fill out papers to garnish. I have not heard from the original creditor since XX/XX/XXXX. and then a judgement to garnish was sent to the wrong address my parents address. I know there is a statute of limitations. but isn't this a violation.
Complaint sub-issue: Investigation took more than 30 days

I filed a complaint on X/XX/2017 # XXXX where a pay as agreed status appears as an adverse account XXXX XXXX XXXX. You had 30 Days to complete your investigation into this problem. You are now in violation of the FCRA and must delete the account immediately. Your company will be sued for violation and defamation in court if this matter is not handled in a timely fashion.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX CC, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XXXX XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed with the bureaus on XX/XX/, and XX/XX/ but they did not remove the items below. 

Sec. 602 FCRA States " I Have A Right To Privacy '' XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Complaint sub-issue: Their investigation did not fix an error on your report

My VW Credit loan for a XXXX XXXX was not total cashed out according to the guidelines of the GAP claim checklist filed with VW of America. The credit report show that the balance was charged off at XXXX. The balance should.be XXXXThis is affecting my debt.to equity ratio and the vehicle was wrongfully repossessed... I have most documentation and will observe and report accordingly... 

2012 XXXX XXXX XXXX XXXX
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

XXXX XXXX Fraud Team, I am reporting a case of fraud and would like to chargeback several charges all to the same individual ( XXXX XXXX ) that I paid in installments via my XXXX  checking account. Transactions include installment 1 ( {$750.00} via XXXX on XX/XX/XXXX ), installment 2 ( {$750.00} XX/XX/XXXX via cashapp ), installment 3 ( {$750.00} XX/XX/XXXX via cashapp ), and installment 4 ( {$750.00} XX/XX/XXXX via cashapp ). All payments went toward the purchase of two identical pieces of property XXXX  XXXX XXXX XXXX  ( devices that mine the cryptocurrency called XXXX ). The seller assured me that both units were brand new and had never been used before. When I received both units, the XXXX app ( app one uses to power on such devices ) confirmed that both units had not only been used before ( see screen shot included in report ), but belonged to another users wallet. There is no changing this, it is a locked wallet belonging to someone else. This means that any mining activity would be forwarded to another individual, and not me as the buyer. This makes both devices completely and utterly worthless to anyone, including me. The seller knowingly sold me someone elses property that did not belong to him. This is illegal and 100 % fraudulent and 100 % a scam. I would like to chargeback these payment installments to get my money back for the worthless and counterfeit machines illegally sold to me. 

I would like to submit additional evidence in my financial fraud / crime case with XXXX and Cash App. For reference the case numbers are below : Case # XXXX XXXX  Case # XXXX Cash App I have 100 % proof that the seller in this case sold me two stolen XXXX XXXX   devices that are not to be resold under any circumstances. As previously shared with you, the seller agreed to sell me two brand new hot spot devices. When I received them, both units were registered to another entities XXXX wallet ( not new at all, and completely worthless ). One of the units was registered to XXXX XXXX XXXX and the other unit was registered to XXXX XXXX XXXX. I am able to see these names upon setting up the XXXX  units in the XXXX app, when I attempt to set up the units, it shows me the units already have an owner making the units worthless to me. See screen shots attached with both of these names shown for proof. 

I reached out to the head of XXXX, a XXXX XXXX  XXXX company, and they confirmed that both of these units belonged to the company and that it was illegal for the seller to have sold these to me. The seller sold me property that he claimed to be his own when in reality it was the property of XXXX. This is financial fraud and a scam. These charges I paid to the recipient as part of this case need to be reversed immediately please. Any individual would be able to look at this case and come to the same conclusion : financial fraud. Please see screen shots attached for proof directly from XXXX about what I shared above. 

Thank you, XXXX XXXX
Complaint sub-issue: Account status incorrect

There are 8 inaccurate late payments being erroneously reported by XXXX from XX/XX/XXXX-XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through XXXX Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no  avail. I submitted documentation two times to XXXX directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. XXXX has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. <P/>I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with XXXX and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. <P/>As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another XXXX in XXXX. So XXXX no longer services any of these loans, yet continue to negatively report to the bureaus. <P/>On XX/XX/XXXX, I spoke yet again to another XXXX supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. <P/>XXXX appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension of credit.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hi every week it seems to be a problem with my score going up and down. I have been paying off vehicles and credit cards and my credit score continues to decrease, and Im removing debts. I call they cant explain why this is for XXXX and Equifax. Yesterday I called Equifax because I received a notification from XXXX XXXX a 3rd party that my credit card was closed for XXXX and Equifax. I called to find out what card because I hadnt closed any credit cards. My score was reduced XXXX point for that on both bureaus. I was told in the notification it was for a credit card I never received and never had with synchrony pay pal. I advised I had an account with pay pal but didnt own a credit card with them. I called pay pal to confirm as well. They had no cc for me. On my report it shows this same credit card was closed XXXX of XXXX. So not only did I not have a credit card with XXXX XXXX XXXX, the account has been closed almost 8 years. So how can you close a closed account, you cant close an account twice. So neither of the bureaus are trying to give my points back that were taken, I put in a dispute with both bureaus already, as I was discussing it with Equifax the agent hung up on me, because she wanted to do all the talking instead of listening to my complaint. In addition to this someone from XXXX put in a request that I didnt ask for to remove my mortgage from my XXXX credit report, and my mortgage company did and that reduced my credit score XXXX points from a request I didnt ask. I requested my balance be updated, but a XXXX agent requested it to be removed, I am now going back and forth with my mortgage company to add back to my XXXX report. But these Bureaus are not customer friendly and a lot of them dont understand XXXX well. I would like to get my credit score points back and these issues resolved. Thanks in advance
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX account XXXX is inaccurately reporting information to the credit bureaus. A letter was sent to the 3 major credit bureaus requesting that that verify the tradeline XXXX XXXX XXXX was reporting. The investigation came back as accurate. I have no idea how this is possible. 

1st. The high balance is different on every report. XXXX  is reporting a high balance of {$460.00}, while Equifax & XXXX  isnt reporting a high balance at all. How can the tradeline be valid if its not reporting the same with every bureau. 

2. The date of last activity is different on every report. XXXX  has a XX/XX/XXXX date of last activity. XXXX  has a XX/XX/XXXX date of last activity & Equifax has a XX/XX/XXXX date of last activity. Again, how can XXXX be reporting accurately if its not reporting the same with all 3 bureaus.

3. The payment history is different with every bureau. XXXX  shows that the account was charged off in XX/XX/XXXX but then shows payments from XXXX but then shows charge offs XX/XX/XXXX & XX/XX/XXXX. How is this even possible?? If the account charged off in XX/XX/XXXX how are payments able to be made in XX/XX/XXXX all the way to XXXX of XXXX? Makes no sense. Equifax doesnt even have a charge off reporting and XXXX  doesnt have any payments reporting at all. 

Theres no way XXXX XXXX XXXX can truly say they are we reporting accurately when EVERYTHING is different on each credit bureaus. Im demanding that the entire tradeline be deleted!
Complaint sub-issue: Reporting company used your report improperly

Equifax did NOT do proper investigations into the charged off XXXX XXXX account on my credit report. Equifax states they did an investigation from XXXX to completion on XXXX ; Equifax Case confirmation number : XXXX ( myequifax ). 

According to the FCRA they did not do this. 

Equifax states they did an investigation but how if the service address associated with this XXXX account is inaccurate and fraudulent? 

Equifax also needs to explain why XXXX has completed an investigation on this very same XXXX XXXX account and they have since removed it from my XXXX credit report. 

How does XXXX do an investigation and remove this inaccurate/fraudulent XXXX account but Equifax does an investigation stating it's accurate?

If Equifax had completed an actual investigation into this matter they would have had the same outcome as XXXX. 

Not only does EVERYTHING on my credit report have to be 100 % accurate according to the law Equifax has to have " my written consent to furnish accounts on my consumer report. '' I have contacted the FTC and the GA Attorney General on this issue with Equifax. 

Please see attachments. 

The last attachment shows Equifax did nothing concerning this issue after the first CFPB Complaint.
Complaint sub-issue: Account status incorrect

I am in the middle of a home purchase! I consolidated my student loan through XXXX. This is good! However, when it came to the XXXX reporting it has been a horrible experience. XXXX first reported to the bureau that the loans were paid. This reporting shows in my positive section. However, Instead of XXXX reporting that the loans are paid, closed due to consolidation the loans are reporting twice. They also report that the loans are closed which has a negative impact and the loans are listed as an negative item. This has caused my score to drop significantly 30-100 points on each of my reports.. Then finally they report the new consolidation as a NEW loan. The loans are reporting as closed. Not closed & paid, or consolidated. This is unfair to the consumer. They are making 3 different reportings all for one transaction. I am unable to close on my home. I have worked over a year to get this report in order and have succeeded. Please help as I am certain that XXXX is causing multiple customers this pain. I have reached out to XXXX by phone as well as letter. I was informed that this is how they report. 

I have included a statement of my XXXX account. Also, the date they have listed as my new account date is incorrect. The XX/XX/2019 date is the pay off date for my loans. 

Thanks
Complaint sub-issue: You told them to stop contacting you, but they keep trying

They keep calling me and have been using different numbers over the last few months and I've been reporting them to this website. 
They keep asking for someone who I don't know who they are and I have told them that and also they have the wrong contact information because I've lived at this number since the house was built. I've asked them to take me off their call list because of that reason and yet they still call me asking for that same person.
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, 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 XXXX 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.
Complaint sub-issue: Unexpected increase in interest rate

I received my most recent statement in the mail from Discover and noticed that the interest rate on my APR for purchases had increased from % 9.24 to % 10.75. Today, XX/XX/2022, I called Discover to inquire. The initial representative directed my call to a second representative that informed me that the United States government increased all APRs across the board by % .75. I had expressed concern to her that I did not receive anything in writing to explain why or when my interest rate increased. When I asked for it to be lowered back to the original percentage rate, she transferred my call to a manager. When I expressed my concerns regarding my APR being increased by % 1.51, he told me to watch the news and there was nothing he could do to help me because its the government and Discover has to make money too. He said he would at least look to see if I have any promotional rates, to which there were none. I have not had any promotions because I've had this card for a very long time. He knew this was the case, but told me to check back in 2 weeks to one month. This is misleading information, as he knows I won't have any special promotions.