Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I looked at my credit report and i seen all the credit bureaus reporting a bankruptcy on my credit profile. Lexisnexis is reporting the Bankruptcy as of XX/XX/2017 on my profile. They reported negative and defaming information beginning XX/XX/2017 on my credit report. I sent a debt validation to no avail. They never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. The courts do not report bankruptcy so why are you furnishing this information to hurt my credit score. I have challenged the accuracy and integrity of the information. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 
12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
Complaint sub-issue: Information belongs to someone else

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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: Threatened or suggested your credit would be damaged

I.C. Systems is reporting on my CR, fraudulently. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with I.C. Systems or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with I.C. Systems. I have yet to witness a " wet ink '' signature between myself and I.C. Systems. nor have I ever received a True Bill in commerce in regards to this account. I.C. Systems has levied and/or trespassed upon Me, the living woman, without due cause. There is NO valid contract.
Complaint sub-issue: Didn't receive enough information to verify debt

This company is billing me for an account that is not mine. On XX/XX/2020 they sent me a bill. On XX/XX/2020 I sent the a letter in response to their bill. I requested from them a copy of the signed credit application. They have not replied.
Complaint sub-issue: Account information incorrect

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

Complaint filed and closed as " company responded '' : XXXX. Problem is that Equifax has STILL NOT ADDED THE EXTENDED FRAUD ALERT to credit files ( XXXX and XXXX added the 7-year fraud alert in XX/XX/XXXX as requested ). 

As of XX/XX/XXXX credit report, Equifax still shows only " FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX ''.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX   XXXX   XXXX   XXXX    Has  not answered any of my debt validation letters. They are not licensed to collect in the state of Florida.
Complaint sub-issue: Account status incorrect

In XXXX of XXXX, Nelnet, the provider of my federal student loan, reported my loans 90 days pasted due while my account was on an approved forbearance. My loans went into forbearance in XXXX of XXXX. Since each semester is a separate loan, about ten different loans hit my credit report as late payments and 90 days past due. These marks killed my credit score and haven't held me back over the past several years. However, I haven't been able to get a car, purchase a home for my family, or get a credit card. I have proof from Nelnet that my account was forbearance during the period when my credit report states I was late 90 days. Please let me get this removed.
Complaint sub-issue: Account status incorrect

Good morning, I applied for a mortgage with XXXX XXXX. When they pulled my credit report, there is many credit card company mentionned many times. I would like to ask you if CFPB could help erase XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX in my credit report because they block me to get a loan. I used to pay XXXX XXXX XXXX XXXX dollars monthly to relieve my debts. 

I attached the 2 pages of the Credit Report and the letter I received from CFBP. 

XXXX
Complaint sub-issue: Account status incorrect

There is a class action lawsuit against this company and this account should be deleted from my report.
Complaint sub-issue: Public record information inaccurate

I asked the credit bureaus to supply me with original documentation that they verified the bankruptcies listed on my credit report because i contacted the court in which it shows filed and they said they didnt report this inaccurate information to the bureaus or any 3rd party data furnishers
Complaint sub-issue: Debt was result of identity theft

I reached out to Conns, numerous times since the beginning of 2019, about a credit card debt they are falsely reporting to the credit bureaus. I've provided a police report previously and other false Conns was reported was removed from my credit files. For some reason the company refuses to remove the current false account. I spoke with the fraud department and was told they would investigate the account but I haven't heard anything since, this was months ago.
Complaint sub-issue: Non-sufficient funds and associated fees

on XX/XX/XXXX after CAREFULLY examining my XXXX account descepancy I now encounter an almost {$2000.00} discrepancy in the Negative again apr XXXX XXXX. 
. I personally went to a local branch on XXXX XXXX XXXX XXXX XXXX  Nothing was done on their part to rectify the question as to where is almost {$2000.00}.
Complaint sub-issue: Account information incorrect

I have never had a balance on my credit cards. I paid them off way before the due date, leaving a {$0.00} balance when it's reporting to the bureaus. 
These 3 bureaus are reporting random balances that don't exist. My score has increase dramatically due this mistake. 
They first reported a high balance of {$95.00} And then decreased that balance by {$180.00} I even submitted my statement proven that I had no balance. 
This is so unfair. I finally decided to build my credit and the bureaus are reporting false information ...
Complaint sub-issue: Account information incorrect

My credit report with Equifax shows multiple invalid account that are causing detriment to my score. My report is showing XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX ) as charged off. That information is invalid. My report also shows XXXX XXXX, and XXXX  XXXX ( Reported XXXX on my report dated XX/XX/XXXX, XXXX and XX/XX/XXXX ) as Hard Inquiries. I have never interacted with any of these companies listed which means this information Is invalid. I have requested for Equifax to remove these invalid accounts or validate them. However, I have not gotten a response or action from XXXX.
Complaint sub-issue: Attempted to collect wrong amount

Brown|Olcott a collections agency sent me a demand letter on XX/XX/2020 with an incorrect debt amount. ( attached ) ... ... ..

Within the 30-day dispute window, I sent two dispute emails ( attached ) to them, but never got a response as required by the FTC FDCPA. The FDCPA requires the collection agency to cease collection activity while disputes are unanswered. It persisted without resolving the debt discrepancy ... ... ... 

The amount demanded was not delinquent on XX/XX/2020 and included amounts already paid, not yet past due, not yet invoiced, and associated with a recurring monthly fee that had never been delinquent. ( annotated creditor statement attached ) ... ... ..

Brown|Olcott filed a lien against my property and refused to remove it, despite all creditor 's invoices being paid directly to creditor. ( Creditor accepted payments in breach of its collection contract. ( attached )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to delete the following inaccurate, contradictory information in my file. 

I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life & you guys are not following the laws like the FCRA 609 section by reporting 100 % accurate information on all three bureaus!.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX made it impossible to make timely payments without the use of direct bank withdrawals by insisting on alternative primitive methods via XXXX XXXX and XXXX that often times don't work and charge exorbitant processing fees and delays. XXXX XXXX received timely payments for 18 months and they cost me recent denial of credit by financial institutions. I was threaten by customer service of repossession in order to intimidate.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not secure my information properly and it was hacked and stolen. I am not in fear of having my identity stolen. I have spent a lot of time and money now signing up for credit fraud alerts and credit freezes.
Complaint sub-issue: Debt was paid

I have called and made payment settlement and have paid the amount promised. I was told that the account would be deleted from my credit report.
Complaint sub-issue: Information belongs to someone else

My identity was fraudulently used to change my address on my Sears master card. I have a fraud alert on my credit report and a statement to call me BEFORE ISSUING CREDIT. Sears changed my address on my credit card, mailed a new credit card to a Florida address, and THEN called to ask if I had changed it. By the time they called the thief/thieves had charged over seven thousand dollars on my card. Sears is not holding me responsible for that and said they would send me a new card with a new number. I got the new card yesterday and was unable to activate it, because the thief called Sears, reported the card lost, and UNBELIEVABLY Sears sent them a new card to a different Florida address WITHOUT CALLING ME TO VERIFY whether I had made the change. I found this out when I talked to customer service to activate the card they sent me. Sears has reported the first Florida address and the {$7400.00} plus to the credit bureau, even though they know it is fraudulent. I do not live in Florida. I closed my account with Sears yesterday.
Complaint sub-issue: Investigation took more than 30 days

I recently sent out a letter on XX/XX/2020 to Equifax to dispute some inaccuracies on my credit report asking them to remove/correct the information listed on the letter. I sent out a follow up a letter on XX/XX/2020 and still haven't received a response. To my understanding, they are in direct violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for investigation.
Complaint sub-issue: Company closed your account

I don't really know where to begin. I checked the closed account option but I wish you could have selected multiples because ever since I've opened this account with Citibank it has been nothing but troublesome and total lack of professionalism. I opened the checking account ending in XXXX on XX/XX/2021. I deposited a check and then whenever the funds came available I went to transfer some of the money to my XXXX XXXX account using the XXXX application that is provided by Citibank. Immediately after trying to transfer I get a notice that says suspicious activity. It blows my mind what is so suspicious about transferring money from your new account I mean it makes XXXX sense. But that's just the tip of the iceberg. After trying unsuccessfully five or six times to speak to someone to take care of this problem, I finally get a hold of someone that I verified the transaction and my identity with and was told that I will be able to login to my account at least within 24 hours but should be immediately. A week later and still no access to my online account, I can not transfer any money to or out of the account, and the debit card that was told that I would have in 5 to 7 days has still failed to come in after 3 weeks. So I make me another Citibank account thinking that I'll be able to link my other account with this one but lo and behold what do I come to find out that my original account had been closed. Before I even received a debit card or anything they closed my account after I deposit a check into it. Trying to get any information from their so-called Representatives that act like robots is like pulling wisdom teeth. I don't have very much money in my account but it's my money and I want access to it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with FCRA. this creditor has violated my rights under XXXX5 USC 1681, Sec 602, states I have the right to privacy, 15 USC 1681, Sec 604 ( a ), Section 2, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX 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.
Complaint sub-issue: Deposits and withdrawals

My name is XXXX XXXX and I am a square user. 

I recently started Processing payment with square and I have over {$14000.00} in my square account from customers. 

But my issue is that when I click on " Balance '', it shows that I have {$0.00} and it says that my account is under review. The issue is that this review is still there and is taking a long time and I'm worried that square has stolen my funds. 

I making this complaint because I want square to tell me exactly when they will allow me to withdraw my funds The email address associated with my square account is XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/22 I sent a written letter. It was sent certified. I requested for wrong information to be verified. I received no response. It has been over 60 days. According to the law, these items MUST be deleted.
Complaint sub-issue: Account status incorrect

It is important to note, my loan officer company is XXXX XXXX XXXX. XXXX is a different firm managing my loan payments. I have received in mid XX/XX/XXXX attached statement " XXXXXXXX '' from loan officer XXXX. In this statement it was clear that my next payment date is XX/XX/XXXX and new monthly is XXXX. In addition, in that statement, you can see actual payment on XX/XX/XXXX as accounted for and it clearly stated that i overpayed the year of XX/XX/XXXX XX/XX/XXXXand it included a check of XXXX $ made to me to pay for the surplus i paid. I was preparing to make my XX/XX/XXXX payment as usual. but after this letter, i checked loancare.com website and deducted no payment is required. No emails nor phone calls nor mails were received from neither firms until XXXX letter attached which was received in XX/XX/XXXX stating that i was actually late. Before i even knew, I went to loancare.com late XX/XX/XXXX to pay for XX/XX/XXXX and realized the issue and paid for both XX/XX/XXXX and XX/XX/XXXX. that day spent hours on loancare interface, i tried processing my payment but it wasnt going thru. There was a total issue occurring.after painful experience, i 've figured i need to process two separate payments for each month and together it was failing since monthly amount itself have changed. Overall, Both companies failed to notify me on timely fashion and provided contradicting information. Both promised to remove from credit report and that it will be repaired once misunderstanding has been cleared. However, 6 months later and after very horrible experience and 6 month of emails with loancare.com i stil havent been able to remove it from my credit report. i was reported as 30 day late and now PMI will not be removed because of this mistake. This company been redirecting me from one department to another and today i was redirected to a fake email XXXX They damage my credit for no reason without proper notification. they 're interface now spams me with multiple pop-ups and i have to click 6 times to confirm to just see my statements. They are aware of the issue and claim they are working on a fix. this has been going on more then 6 month. despite the reasonable case that ive made and many messages and followup and even after i paid fees and over 6 month of trying to get response with no luck, the creditor is acting unreasonably '' by not removing the 30day late payment even when they agreed to and Loan officer already agreed to remove since they have sent the confusing statement and never clarified. I wasted my time for half a year now, and i hope similar companies can be stopped from consumer harassment such as my case above and held them accountable for what they are doing. Regards, XXXX XXXX
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

Note that this complaint is related to complaint # XXXX On XX/XX/XXXX, my wife paid her car loan from our joint account with XXXX XXXX XXXX XXXX XXXX which recently bought out our bank her in Connecticut ( XXXX XXXXXXXX XXXX  XXXX XXXX She used the new bill pay app from XXXX XXXX XXXX The old app added the decimal point to the left of the last two digits input, the XXXX XXXX XXXX  app added the decimal point at the end of the digits input. This caused an overpayment to Carmax our loan company of {$57000.00} on a payment that should have been {$570.00}. 

XXXX XXXX XXXX XXXX never notified us of the overdraft, and we didn't learn of it until receiving the title to the car in the mail. 

We immediately went to the bank on XX/XX/2022 to have the charge reversed and they claimed there was nothing they could do as it was an ACH transaction and we would have to talk to Carmax to get our money back. 

We spoke with Carmax representatives in the afternoon of XX/XX/2022 and eventually spoke with XXXX at XXXX and he told us that the reimbursement would be a check that would be sent out within 6 business days. We were quite relieved. However at the end of eight business days ( XX/XX/XXXX ), when we called to follow up, the reimbursement process had not even started yet. XXXX stated that Carmax had to wait 10 business days in case the bank reversed the payment. In our previous conversation there was no discussion of waiting an additional 10 days. Further as the bank says, an ACH payment is available immediately to the recipient. 

My question here is, which is it? You can't say its available immediately and there's nothing you can do from the bank side, and also say that you have to wait 10 days because the bank might reverse it. Someone is either misinformed or lying. In the meanwhile, {$41000.00} ( the amount difference between what we paid and what we owed on the car ) of our money is tied up and unavailable to us. Why were we not told of the additional 10 day " hold '' on our money to begin with?
Complaint sub-issue: Problem accessing account

The usbank.com website login button does not let me log in to access my accounts. When I browse using XXXX XXXX XXXX on a XXXX, if I click the " login '' button nothing happens.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This very unprofessional. Please remove the fraud accounts ASAP.
Complaint sub-issue: Problem during payment process

I had many fraudulent charged in XXXX and XX/XX/2019. Imagine 55 per day for the same amount of {$96.00} and this went on for days. Their security department didn't pick it up. I reported this in XXXX but every month they continue to post these charges on my account. I have to call them every month to ask what my payment should be. 
On y last statement they charged me interest on the unpaid fraudulent charges. I started trying to call, Fist call on hold for 42 minutes, the disconnected. Startyed sending emails to the fraud department. No response for 6 days. Called agin and disconnected after a 58 minute hold! 
Finally after contacting the parent company I got to talk to a human being but? 
Incredibly horrible customer service. Unbelievable. No one is concerned. How do these people continue in business. 
Costco Citi card.