Johnade/consumer_complaints_cfpb huggingface dataset:
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 has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

I have also sent NUMBEROUS request for them to update my personal information to the current information sent with my disputes and they haven't done so. This violates [ 15 U.S.C. 1681 ] ( a ) ( 4 ) - States I have the right to privacy.

[ 15 U.S.C. 1681b ] ( a ) ( 2 ) - It also states a consumer reporting agency can not furnish a account without my written instructions [ 15 U.S.C. 1681c ] ( a ) ( 5 ) - 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. 1681s2 ] ( 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.

[ 15 U.S.C. 1681I ] ( a ) ( 1 ) ( 2 ) ( A ) - Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Complaint sub-issue: Reporting company used your report improperly

Equifax was attacked, resulting in a hacker gaining access to 143 million names, social security number, birth dates, addresses, and driver 's license number. My personal data were among the impacted records. Protection of such sensitive information should be any company 's first priority, and I believe Equifax has proved itself undeserving of the responsibility of holding such information.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX, XXXX, CITICARDS CBNA, and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX   XXXX, XXXX XXXX, XXXX, CITICARDS CBNA, and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Their investigation did not fix an error on your report

They were supposed to remove. I went to Audi they said it was applied wrong and then when I sold them back card they didnt pay it off for 57 days. 

They said they would remove
Complaint sub-issue: Personal information incorrect

I was alerted from my credit union that multiple Social Secuirty numbers appear under my name. I was told at least 4-5 different numbers show under my name and date of birth and address. I spoke to LEXIS NEXIS and was given no help regarding the matter. I would like to have this inaccurate information removed from my name and profile.
Complaint sub-issue: Didn't receive notice of right to dispute

I have the money to pay my account in full and was Willing to do so but after receiving legal advice, I requested an email or letter in writing stating the XXXX would be paid in full and taken off my credit report. I was told, " we don't do that! ". I explained several times, I was prepared to pay the above amount in full but needed something in writing. I even suggested they send me a simple email with a letter stating the accepted pay off amount and removal of account with all three credit bureaus. Once again, they refused. I can not go against my legal council in this situation and don't understand the apprehension. In addition, they are strongly opposed to my wanting a paper trail by paying with a money order. Once again, I was advised by legal council to not give any bank account information. They are destroying my credit by hitting me with late payments and are unwilling to accept payment in lieu of this simple email.
Complaint sub-issue: Information is not mine

There are XXXX credit inquiries on our credit report dated the same date. XXXX of the inquiries came from short term loan cash provider. The XXXX came from some sort of credit bureau presumably used by the XXXX entity. I have spoken with the short term loan cash provider describing my circumstances. They indicated to me that they have no information on me on file which suggested to them that someone attempted to get a loan using our name and possibly our social security number but were rejected before the official application process. Both inquiries show up on our credit report but they were not related to activity generated by me or by my wife. So, we are nervous that at least one person may have some form of our identity but we are not sure which information or how much information they may have. The date of the inquiries was XXXX XXXX, 2016 and there has not been any further unknown activity since that date.
Complaint sub-issue: Can't use card to make purchases

At this time, CashApp is refusing to reactivate my debit card issued with the number XXXX. CashApp attaches their issued cards to one 's phone number, and allows one to create their own id hash tag, but their methods of portability is flawed when one obtains a new phone with a new number and wishes to keep their hash tag. My hash tag is $ XXXX, and CashApp refuses to transfer it to my new number. They respond to emails with worthless solutions that only lead you back to the same email, with the same answer.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On all major credit reports states I owe them $ XXXX {$290.00} This company does not accept insurance, you have to pay at the time of service in full for any treatment received. I do not owe this company or collection company any money. 
I have also previously asked for a copy of any contract, I signed agreeing to pay the additional amount of $ XXXX {$290.00}, which they say I owe.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I submitted an application online with XXXX Card on XX/XX/19. I was approved for the Card. However, I never recieved the card due to XXXX closing my account. I contacted XXXX on XX/XX/XXXX, XX/XX/19 and XX/XX/19 they stated that they couldn't verify my income within 5 business days of them submitting the card. Although I IMMEDIATELY completed the requested forms for them to obtain my income from the IRS. I was informed that due to the IRS not sending them the requested information within the 5 days that they had to close down the account. My credit profile took a hard hit for something that I had no control over. I submitted the requested paperwork for XXXX card  to get the information from the IRS AND YET INSTILL I'M BEING PUNISHED FOR SOMETHING THAT THE DIDN'T GET IN 5 DAYS. In which I had no control over. This hard hit and account sitting on my credit profile is hindering me from purchasing a home.THIS IS ALSO HINDERING ME FROM GETTING APPROVED FOR ANOTHER XXXX CARD.
Complaint sub-issue: Problem making or receiving payments

This is a 3rd time I am filing a complaint to Money Lion regarding my dispute ( dispute file # XXXX ) for a fraud transaction taken place on XX/XX/2021. Even after explaining and doing everything I can possibly which I was requested by a representative XXXX at Money Lion to prove money was never received by my bank or to me, even have performed a three way calling with the bank representative and confirmed they have never received the funds back but still Money Lion refuses to give my money back in the amount of {$1000.00}. 
This has been a very long process and a very much stressful frustrating experience. 
I will continue to fight for my rights as a consumer in receiving my money back from Money Lion on this fraud transaction because it is very much clear Money Lion still has my money because my bank confirmed they've never received in their system.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a purchase all the way back on XX/XX/XXXX for {$21.00}. I returned this item on XX/XX/XXXX and received a credit for {$21.00} and also a new charge for {$21.00} on the same day. After calling Best Buy directly several times with no resolution, I tried to dispute this 21st charge on XX/XX/XXXX through Citi. They gave me a resolution on XX/XX/XXXX pointing to the credit on the XXXX. I called a few times and was told that this would be taken care of but it never was. 

Finally I got someone who seemed to understand what had happened here and she tried to reopen the original dispute but couldn't. She then opened a dispute for the original charge on XX/XX/XXXX and instructed me to go online and upload my documents showing the transactions and how this was a double charge. This was completed on XX/XX/XXXX and the resolution came back pointing to the same credit on XX/XX/XXXX. So now I have two disputes both pointing to the same credit as the resolution. 

I tried calling more and escalating it and on XX/XX/XXXX I was again told I could be credited within 3-5 business days. Then the following XXXX I see a new charge on my statement for {$21.00} and all it says is " Misapplied Credit '' and points to XX/XX/XXXX. 

I have called 3 more times since then with no resolution other than spending 30+ minutes on the phone and being told that it will all be taken care of in 3-5 business days.

I will enclose pictures and pdf 's of all these transactions and disputes as well as call logs.
Complaint sub-issue: Debt was paid

Good day, In XXXX I started the search for a house. My loan originator was going through details and accounts that are currently active and reporting to find out that an account that to my knowledge was closed back in XXXX was reporting as delinquent. 
A brief summary : I started the process of a credit consolidation in XXXX for several accounts through a company called XXXX XXXX based in California. All the accounts were closed successfully, but somehow, the Citibank XXXX XXXX XXXX XXXX ( one of the multiple account I was consolidating ) did receive payment in full for the amount agreed to settle of {$510.00}. This amount was paid in two installments, first one in the amount of {$310.00} ( check sent and cashed by creditor ) and a second payment in the amount of {$190.00} ( same as other, cashed by creditor as well ) I have already provided these details and a handwritten letter to Citibank Payment Investigation Department. However, I am still pending for a resolution that could take anywhere between 30 to 60 days ... I HAVE TO WAIT?!?!?! I am trying to buy a house, and this account should have been closed in XXXX of XXXX. Now almost three years later, I am being treated rudely over phone ( worst costumer agents in general English speakers - Spanish agents are great ), I call to verify the received everything they have asked me for and they tell me they did not receive anything and that now i have to wait two months for a resolution. 
Resolution is simple. They were paid in full in a timely manner and they are trying to collect more money from me. They are and have been affecting my credit score for three years now. I have been subject to highest APR for everything. I want compensation and immediate resolution. I have everything, details and proof of account being settled in a timely manner and that they received and cash their payments. 

Please help me. This situation has affected me and my family long enough. 

Cordially,
Complaint sub-issue: Keep getting calls about my loan

There are issues with my sons loan that he and his mother have with Sallie Mae and they keep calling me at all hours and while at work. I explain that I am not on the loan and to stop calling and their people have stated my name is on the contact list and they want a payment and if I want the calls to stop to make a payment. 

As far as I am concerned they are worse than a loan shark and they will do multiple computer calls per day and that is a form of harassment and that is not legal.
Complaint sub-issue: Information belongs to someone else

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX   XXXX XX/XX/2018
Complaint sub-issue: Trouble getting, activating, or registering a card

I receive my ssdi XXXX benefits on a government card issued by Direct xpress on behalf of social security. On XX/XX/XXXX i noticed my account was low and called direct xpress. The sum of approximately XXXX dollars and some cents was charged on XX/XX/2022 in texas. I did not authorize this charge and was never in texas. I immediately filed a fraud complaint number XXXX with direct xpress/comericabank. It took me a wait time of 2 hours on hold to get in contact with them. They were supposed to send me a fraud complaint form and xpress a new card. I have called direct xpress countless times and been on hold for hours to try to resolve this issue. 
As of the writing of this report i havent received anything. No card and no form I also asked for a provisional credit. No new card. No credit. I am broke with no food or money for meds.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX reposed the XXXX XXXX XXXX that I purchased almost 8 years ago. XXXX sold the car for XXXX buck when it was worth at least {$5500.00}! I cant buy another car because this continues to show up on my credit after 7 years. I've disputed this multiple times on all 3 bureaus and they basically told me its 7 years from when I defaulted not 7 years from when it was opened. I also let them know that the dollar amount was wrong and to no avail. I'm tired of a 7 year problem keeping me from buying a new car. I'm a XXXX XXXX   XXXX Veteran and this is not fair
Complaint sub-issue: Problem during payment process

I made a payment to PNC Credit Card on XX/XX/20 in the amount of {$2500.00}. The payment posted XX/XX/XXXX. The funds cleared my XXXX checking account on XX/XX/20. PNC has now advised that despite those funds clearing my XXXX checking account - they will not give me the available credit because I do not bank with PNC. It seems that PNC 's policy is disparate in nature because I do not have a PNC checking or savings account with their institution. 
My larger question is how you can place a hold on an account when the funds have cleared my checking account? 

They also explained that each time I make a payment - this will continue to occur. This policy is discriminatory and predatory as it seems I must open a checking account in order to get credited timely.
Complaint sub-issue: Received bad information about your loan

I was told that with public student loans, I could defer them without interest accruing. Finally, when I started paying the loans I noticed that the principle had gone up significantly from when I had initially deferred them.
Complaint sub-issue: Information belongs to someone else

Collection information from XXXX XXXX needs to be removed with immediate effect this does not belong to me. See attached for letter from XXXX. Thank you
Complaint sub-issue: Debt was paid

I received a letter from ERC/Enhanced Rseource Centers ( XXXX XXXX XXXX, XXXX, FL XXXX ) stating that I owe {$160.00} to an account with XXXX. This account was closed in 2006 and was paid in full. I have NEVER received any communication stating otherwise and it has not shown up in my credit report. I contacted the company and they insistent that I pay the amount and offered different payment methods but I adamantly told them that this account was closed 15 years ago and was paid in full and that I didn't intend to be harassed into paying anything I didn't owe and to only be told about it 15 years later. They insisted that I pay the amount and that it hadn't been reported as of yet to the credit agencies. I notified them that I would be contacting the credit agencies and file a formal complaint against them for this miscarriage of debt collection.
Complaint sub-issue: Problem during payment process

I applied the Best Buy Visa Credit Card ( Citi ) and was trying to setup the online payment account today ( XX/XX/2019 ). The credit Card system has problem and won't allow me to logon and schedule payment at all. I contacted multiple agents ( 5+ ) and 2 supervisors, I followed their instructions to reset password, changing browsers, devices and reset the profile. However, none of the method work and I requested them to report the issue to their technical team. They refused to do so and claiming that there is nothing else they can do after exhausting all the standard procedures. They keep on saying to wait 24 - 48 hours  and try to login. Since there is a system error, unless they report it to the technical department and fix it, nothing will change. I have a feeling that they are trying to mess up the client 's online account so the client will miss the payment.
Complaint sub-issue: Public record

Repeatedly I have asked XXXX, Equifax , XXXX, XXXX, XXXX to remove the statement " foreclosure started from my credit reports. They always said XXXX XXXX XXXX refused to take it off. The attached document from XXXX XXXX XXXX disputes that now and I want it off my credit.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I made a purchase using my Citibank XXXX XXXX XXXX  for a trip to XXXX. Due to Covid-19, this trip was canceled and XXXX  advised I would be refunded. After waiting over month to receive my money by Citibank, I finally received my funds transferred to my bank account. Two weeks later, I now logged into my Citibank account and they are DOUBLE charging me back for the refund!!! When I called them, a representative tells me it's a security issue. I said how is it a security issue? It's a double charge by the bank for the refund amount. He says, I need to transfer you and said that i would not have to " repeat myself '', he will let the representative know what is going on. I ' then transferred to online support who says he doesn't know who I am and wasn't aware why I was calling and then would transfer me back to customer service of which the call was disconnected!! Why are they double charging me for something that was refunded back to me by XXXX XXXX. This is the worst service I have ever had by a bank and demand this be credited back as now my credit is showing I have an unpaid balance due of {$2400.00}!! 

I called back and spoke with XXXX ( XXXX ID XXXX ) who seem to have better knowledge of this. She advised that she will send a request to the refund department to investigate as to why I was charged twice. She advised there is nothing further I need to do as of now. 

I have attached screenshots of my current balance with duplicate charges issued by Citibank ; The XXXX statement clearly showing my refund issued by XXXX XXXX and credit balance on the account, Citibank 's correspondence dated XX/XX/2020 issuing me the credit refund of {$2900.00}, and Citibank 's correspondence dated XX/XX/2020 stating that my credit balance remaining is due to unresolved disputes and once resolved, the conditional credits issued with be refunded to me.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX, and the author of this complaint. 

There is an Original Complaint with XXXX XXXX, and the ID is XXXX. That complaint was created because of missing data on this tradeline, and inaccurate data. 

This complaint is in regard to the same issues - except this time, I am including one of the CRA 's on this complaint - so I do not become its middle man. Each time I dispute has been lodged - both XXXX XXXX, and the CRA 's point their fingers at each other. 

XXXX XXXX  XXXX Original Creditor ) - I am relying on the rules that govern you, as a Data Furnisher, and acting on your own behalf as the Debt Collector on this account. 
https : //www.ecfr.gov/cgi-bin/text-idx? c=ecfr & SID=89d50ede6e4072bde4d4a944a89bd200 & rgn=div5 & view=text & node=16:1.0.1.6.77 & idno=16 # se16.1.660_13 In this dispute - the CRA, will be Equifax, and for EQ - I am wholly relying on FCRA. 

https : //www.ftc.gov/enforcement/statutes/fair-credit-reporting-act I am attaching screen shots of my Credit report and then from Equifaxs

2 sources, and as noted below.

My Equifax ( MyEQ in this complaint ) - and XXXX  ( XXXX  in this complaint ). 
https : //www.equifax.com/personal/education/credit/score/debt-to-credit-ratio/ - 1. The Account Number is NULL, or Blank on the raw credit report, XXXX from Equifax 2. This Account Name states that this account is CLOSED. 
3. This XXXX is then also reporting Available Credit and it can not /should not. 
4. As a result, this XXXX is then reporting, Debt to Credit Ratio, when it can not /should not. 
5. XXXX Reported BalanceXXXX = XXXX Percent you are erroneously calculating/reporting 6. The Pay History - remains incomplete/Rating is incomplete, but it was reporting previously. 
7. The Balance History is nonexistent. 
8. Please ensure the Balance History and Pay History is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete 9. Of whats reporting, the start date for 30 days, are reporting differently in each report ran on the same date, and again From XXXX and then MyEQ 10. Only one can be accurate. Please see attached. 
11. The FCRA/DOFD can then not be accurate and based on the two - 30 marks, in Pay History. 
12. Please resolve the Pay History to be accurate, and to reflect the actual DOFD/FCRA Date 13. Then it remains impossible to be 120 days late in one month, and then 120 days late in the next please resolve 14. There is then a Credit Limit on this closed account, that I do not believe can be reported, additionally this is where you are erroneously calculating a Debt to Credit Ratio from. 
15. Because this account is charged off/closed, I do not believe there are applicable TERMS that can be reported 16. Creditor Classification is Unknown and should not be, please assign a valid value. 

While this Tradeline has been disputed previously - it lacks the Disputed tag - please ensure this is accurate.
Complaint sub-issue: Account information incorrect

This vehicle was in 3 accidents because of a defective engine part and issues that occurred 5x in less the 5 months all major engine issues. The car wont accelerate ND SHUTS OFF. i was told to leave vehicle at dealership and that XXXX would buy back the car yet 4 months and nothing no car no information the evade my calls. I have no car and I was paying load till last month but I cant pay for a car that I dont have and that is a danger to myself and others. Fixed 5 x and always breaks each time. Engine and transmission issues. I am paying for a car rental XXXX  said they pay but I am stuck with the Bill I want this account removed from all credit agencys as it is a vehicle that is a lemon and the cause of 3 accidents with its shutting off. It is ruining my life and my credit cost me my home and potential future home loan.