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

I recieved a copy of my credit report while trying to refinance my house and several times before I have disputed the same issue at least ten times and they keep telling me the information is correct and I need to contact the bankruptcy court. So I contacted the bankruptcy court via email and phone and the lady at the bankruptcy court clerks office sent me several emails to send to equifax stating they need to remove the bankruptcy 's because they were part of a third bankruptcy that was discharged. Again they said they did there investigation and said the bankruptcy 's are reporting correctly even though I sent them the copys of all the emails from the bankruptcy clerks office with her name that she told me equifax could call her and she would verify the information. I called her and she said equifax NEVER called her to verify anything. I have copy 's of her emails and I can fax them or send them by mail to the CFPB but equifax has copy 's of the emails unless they are untruthful about having them but I have a signature garentee delivery via USPS to prove they received them
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$5000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called and tried to get the unauthorized inquiries removed and they would not.
Complaint sub-issue: Information belongs to someone else

There's 4 collection accounts dated XXXX17 on my report inwhich I have no knowledge of, yet has not been physically verified by the very credit reporting agencies inwhich is reporting such damaging unverified information on my report. Now according to the FCRA accounts must be PHSICALLY verified if not then they must be removed.
Complaint sub-issue: Charged too much interest

I completed a transaction through Transfer Wise using a credit card. Transfer Wise charged a fee to use the credit card however, they failed to disclose that the transaction would be considered a " cash withdrawal '' by my credit card company and therefore subject to fees other than a regular consumer purchase transaction. My credit card company, XXXX XXXX, charged a flat fee of {$20.00} for the {$160.00} Transfer Wise transaction, plus a minimum interest fee that applies for just the cash portion for two months in a row at a near 30 % interest rate. So in addition to the Transfer Wise fee, with the credit card cash fee plus two months of mandatory interest ( despite the fact that I pay off my credit card in full every two weeks ), I was charged over $ 30 % for the Transfer Wise amount of {$160.00}. Consumers need to be aware ahead of time so that they are informed of the potential consequences of using a credit card for these transactions. Transfer Wise, and other similar companies, should be required to warn consumers that transactions using a credit card are considered " cash withdrawals '' and subject to fees as appropriated by credit card companies when making a cash withdrawal. Also, that cash withdrawals may be subject to higher interest fees and high withdrawal charges for the transaction. 

I was unsuccessful to have the charges reversed by my credit card company. I wrote to Transfer Wise to let them know that they should be informing consumers of these issues but did not receive a response. This is where your organization can be of help to consumers, by intervening and requiring the organizations to provide full disclosure regarding fees for these transactions. The companies are otherwise taking advantage of consumers charging outrageous fees and interest for very little amounts of money.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I have been disputing the late payments showing on my account for Fed Loan Servicing which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Complaint sub-issue: Trouble with how payments are handled

On XX/XX/XXXX I checked my bank account and noticed that Sallie Mae had taken out XXXX of my bank account and they were not authorized to do so. I called them immediately and they told me it was an accident and not on purpose and it would take 3 to 5 days for a refund. It took multiple phone calls on my part to get this problem taken care of and I was treated poorly throughout the entire process. I do n't know how anyone takes out over 2 grand on accident. I ended up getting my refund a week later and was thoroughly stressed throughout the whole situation. I am a hard-working single mom and this was just unacceptable I know people make mistakes but that caused me to not be able to pay bills and pay for other daily essentials. Fast forward to XX/XX/XXXX I check my bank account and I see that Sallie Mae again took out money from my account XXXX. I did not authorize this transaction either and I am completely frustrated with this company for their mistakes that they have made. I am writing to you to inform you of how poorly this company is ( Sallie Mae ) and what customers of them have to deal with on a day to day basis.
Complaint sub-issue: Frequent or repeated calls

XX/XX/18 & XX/XX/18 both dates I received phone calls ( XX/XX/XXXX ) on my cell phone and ( XX/XX/XXXX ) on my home phone from XXXX XXXX XXXX asking for a person with the same name. Without verifying I am that person the party released they were collecting a debt and the company they were calling on behalf of, XXXX XXXX. Each time I confront about breaking the law about releasing that information their representatives hang up on me. My wife called back XX/XX/XXXX and spoke to a team leader named " XXXX XXXX '' confronting about releasing personal info related to said debt without verifying and the harassing calls by repeatedly hanging up and he as well released the info without verifying address or social security number. The request was submitted to cease communication from both numbers and they were notified a complaint would be made on the now three documented occasions of the release of private info.
Complaint sub-issue: Account information incorrect

XXXX agreed to remove and stop reporting to all credit reporting agencies in court. See attached.
Complaint sub-issue: Account status incorrect

I have had a credit card with Macy 's since XXXX. I have always paid my bill in full every month. For some unexplained reason, Macy 's reports I was 30 days late XXXX of XXXX. I have NEVER been late and I am furious with Macy 's. I am asking for this to be corrected and removed from my credit report.
Complaint sub-issue: Information belongs to someone else

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX, yet XXXX XXXX XXXX  is not removing this fraudulent account. XXXX XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX which was open at an address which I have never lived at and it has nothing to do with me.
Complaint sub-issue: No notice of investigation status/result

Case Number # XXXX XXXX. Well back on XX/XX/XXXX I sent a letter to the Bankruptcy Courts telling them I recently disputed information that was on my credit report that is not reporting accurately. They stated that they have verified the information, and have informed me i need to contact the Furnisher of the information. So I requested that they send me their procedure for verifying information with the credit bureaus. Per the FCRA623 ( a ) ( 5 ) : '' If the Credit Bureau can not Validate the information with the Original Creditor, they must remove said information from the consumer credit file ''. On XX/XX/XXXX the Courts mailed me a letter which emphatically stated that they do Not provide any information to credit reporting agencies, nor do they validate and/or confirm public records. It is the Credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is Never validated by the Recorder of Deeds nor the U.S. Courts system due to the Fair Credit Reporting Act do to PRIVACY LAW. My inquiry to the U.S. Bankruptcy Courts confirmed the Equifax Credit Bureau has Never validated or verified these public records entries on my credit report, neither will they ever be by them. On XX/XX/XXXX I wrote a letter to XXXX with the same information from the courts. On XX/XX/XXXX XXXX wrote back that they deleted from my file case # XXXX, so I wrote Equifax, XXXX and XXXX that XXXX XXXX had deleted all and everything with the Bankruptcy on their file. So I disputed it with all XXXX Credit Bureau and they all come by saiding they verified that account with XXXX XXXX. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1. Defamation, 2. Negligent Enhancement of Identity frauds 3. Violation of the Fair Credit Reporting Act.
Complaint sub-issue: Account status incorrect

As I reviewed my recent report, I have found an erroneous information reporting on my XXXX Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to XXXX to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX XXXXXXXX Balance : {$200000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX acct # XXXX - disputed multiple times came back verified, I am not now nor have i ever been a customer of this company, the credit bureau has failed to provide an original signed copy of any agreement as required and are therefore reporting information that is not 100 % accurate
Complaint sub-issue: Indicated shouldn't respond to lawsuit

I received a call this morning from a group that identified themselves as a courier service that wanted to make sure that someone would be available at my home to receive legal documents. 

When I asked what legal documents the person was referring to they let me know that they would have to transfer me to Hewitt Capital who had more information on the situation. XXXX, the representative for Hewitt Capital let me know that XXXX XXXX XXXX was seeking a civil suit against me for a remainder owed on a payday loan from XXXX of 2015. 

When I just spoke with XXXX she let me know that her company was not a debt collection company and that was why she failed to let me know that her call was an attempt to collect a debt. It was my understanding from our conversation that she was representing Hewitt Capital in a civil suit being levied against my by XXXX XXXX XXXX. 

However, Instead of providing me with just that detail XXXX told me that I could resolve the Civil Suit by taking care of the remaining balance due with a credit or debit card over the phone with her. I gave my information to avoid any further possibility of a civil issue and XXXX told me that the suit would be cleared immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

1. XXXX XXXX Account # XXXX 2. XXXX XXXX Account # XXXX 3. XXXX XXXX XXXX Account # XXXX I am very concerned about the validity and accuracy of your recent investigations. I disputed inaccurate information with the creditors as well as all 3 credit bureaus. I asked for an investigation and XXXX removed the accounts because they were not able to verify the accounts. Equifax and XXXX on the other hand did not remove the accounts and they also wont tell me their method of verification. Both accounts are inaccurate and the creditors have also agreed. If XXXX wasnt able to verify it, how did XXXX and Equifax? 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation, voice recording etc. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. 

Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I have attached a report with the accounts in question circled. 

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Violations of the Fair Credit Reporting Act Defamation
Complaint sub-issue: Account information incorrect

This letter is a formal complaint that Credit Bureau has reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but their inaccurate information could cost me in higher interest rates and I have enough expenses as it is. I been sending to the bureau disputing letters numerous times I have green receipts proof from post Office of delivered my letters but Bureau has neglected my request. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 
1. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Complaint sub-issue: Their investigation did not fix an error on your report

My bank issued a new credit card. We have all of our payments to everything taken out of our account automatically. I called the bank to set up the new card and set up automatic payments. I kept receiving notices about this account being late and when I called the bank to find out what was going on they told me that when they set the new credit card automatic payments that they set it up under my savings account. My bank requires each person to have their own savings account in order to open a joint account. I only keep {$25.00} in that account as all my money is in our joint account. I kept receiving late payment notices and I would call the bank every time. The very last phone call that I made is when I found out they had reported a late payment to all the credit agencies. I called the bank once again and I spoke with XXXX, and she finally dug into the account to figure out what had happened. Whoever had set the account up had used one number that was different in my account number so that made the payment late. I asked her what I needed to do to get that removed and she said I had to contact each credit agency and dispute the charge. She stated that the credit agencies would send them a form to fill out about what had happened and that this was not my mistake. I have every single payment taken out of my account automatically so I do not ever have this problem, as my payment history will show on my report. This has impacted my score and my reputation with exceptional payments. I disputed this with each agency, but it appears that they are still showing that it was a late payment. Please, please advise me on what I need to do to fix this matter. The date of this late payment is XX/XX/2022 and the bank is XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't close your account

On XX/XX/XXXX, I tried to close my checking account with Citibank due to an earlier issue with fees and confusing marketing. Because of Citi 's failure to properly staff their customer service teams, I was unable to get through. As a result, I have been charged {$92.00} in fees. When I later managed to get in contact with a rep, she told me that she couldn't close my account because of the fees.
Complaint sub-issue: Frequent or repeated calls

On XX/XX/2022, I received 7 phone calls from Conn 's Furniture in regards to an existing loan with their company. They have done this in the past and I have repeated to multiple representatives to not contact me between the hours of XXXX Arizona time as I'm working and require my cellular device to communicate with clients. Since this occurred on a Friday, XXXX of my clients meetings were interrupted and I felt extremely harassed when the last phone call occurred at XXXX that day.
Complaint sub-issue: Account status incorrect

They have no idea what they are doing. See attached breakdown for why they say my credit is XXXX. Every time something positive happens my score either does down or stays the same. 
I want an explanation.
Complaint sub-issue: Account information incorrect

I have a collection from XXXX, sold to XXXX in the amount of XXXX. Balance is too high, I have provided the initial contract, where I financed a phone for {$390.00}, no finance fee, month to month phone service and {$0.00} cancelation fee. Balance of {$1000.00} is extremely too high. I have contacted XXXX, XXXX  numerous times to change, and now I want deleted. It is against my rights to report information knowingly inaccurately. There are 2 accounts on my credit report that are charge-offs but are reporting balances. XXXX is suppose to report {$0.00} dollar or no balance but is reporting a {$690.00} dollar balance. My credit score has went down XXXX points placing me further away from qualifying for a home loan. My husband is a XXXX veteran, and I have an XXXX   son. This home is vital to our living as space and peace is needed for my family. My income and score is an essential part in us qualifying for a home loan. It is against my rights to report inaccurate information knowingly. XXXX XXXX reports a balance of {$450.00} dollars to a charge-off account. Balance should be {$0.00} or nothing reported. I want both accounts deleted from my credit report. This has been a continuous battle for me and has caused me a lot of emotional distress due to constantly battling for my right to an accurate credit report.
Complaint sub-issue: Problem using a debit or ATM card

I received a phone call from US Bank Fraud Department, XXXX, at or around XXXX on Thursday, XX/XX/2022. The associate introduced herself as XXXX and she was a member of the fraud department at US Bank. She proceeded to tell me there were several attempted transactions that day and her department was alerted. She continued to tell me that someone was trying to use my debit card number at a XXXX in XXXX, FL. She then proceeded to tell me that the 'thieves ' had infiltrated my accounts and were trying to use the XXXX application to send themselves money from my account. She then asked if I would be willing to help the bank, local police and FBI to catch these perpetrators by approving a XXXX transfer to an agent who was in charge of this investigation. She stated that the money would be replaced into my account within 24 hours. I, regretfully, obliged. The following day I continuously checked my account for the reimbursement. I called US Bank Fraud department again to check on the status of this process. As I was on hold for the Fraud Liaison department, I received another call from 'US Bank Fraud Department '. My waiting time on hold was to be 30 minutes, so I answered the incoming call. Another female representative said that my number had been 'flagged ' so that I could get through to their department immediately. She began to reassure me that this process was legitimate and they were investigating the source ( s ) of my issue. She, again, said that my money would be deposited within 24 hours, no later than Monday, XX/XX/2022. On Monday I call the US Bank Fraud Department, XXXX, and spoke with an agent, XXXX ', who listened to my story and immediately told me that I had been the victim of a fraudulent scam. When I asked how they could call me using the banks phone number and when I called the same number the next day how did the " scammers '' know to intercept my call into the bank, her response was that she did not know but they will investigate thoroughly. Unfortunately, I have very little confidence that US Bank will do anything to refund my money because of a hack into their own phone system.
Complaint sub-issue: Debt was result of identity theft

ATTENTION TO XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$420.00} does not belong to me. This account was fraudulently opened through this company XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

RAZOR-CAPITAIL OWNS XXXX ACCOUNT NO.XXXX, LAST PAYMENT WAS XX/XX/XXXX, AND THE STATUES OF LIMITATIONS ARE EXPIRED AND MUST BE REMOVE BY ANY OF THE THREE. ALSO, ACCOUNT WAS LISTED IN MY CHAPTER XXXX BANKRUPTCY DISCHARGE THIS TRADELINE IN MY BK XXXX XX/XX/XXXX. WE ARE OPENING OUR BK SOON AND SUING RAZOR-CAPITAL AS WELL AS XXXX ALONG WITH XXXX IN ADVEERSIAL PROCEEDING SEE DISCOVERY
Complaint sub-issue: Confusing or misleading advertising or marketing

I was denied an extension of my own credit, by CARMAX and XXXX XXXX XXXX back in about mid XXXX. This Adverse Action is due to them demanding an illegal down payment on a consumer credit transaction after taking my SSN # and processing as well as approving my loan.
Complaint sub-issue: Debt was paid

hello I'm submitting this dispute again to you because I do not see the reason why this is still on my credit report as you can see there is no balance left the only account that still shows a balance that should not have a balance was conns and cox communication. below are the accounts that I wish for you to have it removed of off my credit report. thank you! 

XXXX XXXX OF XXXX XXXX XXXX-KS ( Original Creditor : XXXX XXXX  COMMUNICATIONS XXXX )