Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

This complaint is in regards to a credit balance refund that I have not received yet on my XXXX credit card. 
XXXX XXXX There was a negative balance of {$80.00} XXXX XXXX Sent an email to Macys requesting a credit balance refund check XXXX XXXX Emailed XXXX stating I didnt receive a check yet XXXX XXXX Called XXXX customer service regarding the check Ive never received yet. Customer service agent said it would recieve it in 7-10 business days. 
XXXX XXXX Called XXXX customer service again stating check has still not arrived. 

It is now XX/XX/XXXX and I still have not received my credit refund balance check of {$80.00}
Complaint sub-issue: Their investigation did not fix an error on your report

There is a billing error on my report. I am attaching where my late fee was returned from. 


According to Consumer law 15 US Code 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Attached you can see that a billing error was made on my account and XXXX XXXX refunded my late fee amount for the alleged late payment from XXXX XXXX 
Please remove the late payment from my credit report, due to the consumer law 15 US code 1666 b as a billing error, and use my highlighted letter showing that they made an error and refunded the late fee.
Complaint sub-issue: Debt was paid

I had a XXXX. We both thought I was still covered by insurance but discovered afterwards I was not. They billed me for approx {$700.00} for the total procedure and followup visits. I alerted them the insurance was not in effect so we negotiated the cost to around {$270.00} which I agreed to and paid by check. I even wrote " Paid in full '' on the check ... just in case. They made attempts about a year later to collect the old balance despite my paying the agreed negotiated price to the medical center. Now they have turn XXXX bill into XXXX separate bills. The {$270.00} I already paid then their re-calculated additional bills which did not arise until months after we had already negotiated the charges. The debt collector has now dinged my credit XXXX separate times for the XXXX incident which I already paid the agreed settlement amount. The woman, XXXX, at the medical center has lied because I believe their A/R people told her she should n't have negotiated with me ( just my 2 cents ) So I refused to be black mailed for additional money after negotiating the original cost. I have a copy of the cancelled check and an email from XXXX stating our " agreed negotiation would put my debt at {$0.00} ... she lied.
Complaint sub-issue: Their investigation did not fix an error on your report

I am sending this complaint because I still believe there are some errors on my credit. I would like CREDIT BUREAUS to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please evaluate the following items : XXXX XXXX XXXX XXXX**** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$93.00} XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$190.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax still has my brother 's name listed within my personal information and identification of MyEquifax account. My brother and I have been trying to get all of our information separated for quite sometime ; however, Equifax has still not completed our requests fully and accurately. This is causing my brother and I hardships because of their ( Equifax ) errors, and their inability to complete our disputes fully and accurately.

My brother has given me permission to send his complete name via his driver 's license and his social security card. I've also included my name via an image of my driver 's license and a copy of my social security card to show that we are different people with different names, different dates of birth, and different social security numbers. Our personal details are listed side-by-side so that Equifax can see the differences in us both.

I have also uploaded a screenshot of my my personal " MyEquifax '' account page to show the inaccurate information on my account. I've written my username on the screenshot and have circled each section that Equifax needs to review.
Complaint sub-issue: Debt is not mine

I received this letter from this collection agency informing me that I owe them a debt and upon further review I noticed that this debt was with another debt collection agency prior with whom I disputed the debt. It appears that they may have sold the debt and this company is now trying to collect
Complaint sub-issue: Account information incorrect

XXXX is reporting 13 separate student loans on one account to the credit bureaus who use their information to compute credit scores based on proprietary formulas using several factors including but not limited to the number of accounts, payment amounts, number of late payments, etc. The problem with XXXX is in consideration of the following : -XXXX won't accept payments less than the combined minimum payment amount for all 13 loans, treating them as one account but reporting them as 13 accounts, -XXXX allows borrowers to direct overpayments, meaning any additional payment made over the combined minimum for all loans is able to be designated to pay down certain particular loans, but XXXX does not allow borrowers to direct underpayments, meaning if I can only afford to pay some of the 13 loans instead of the combined minimum payments on all of the loans on the account then it gets reported to the credit bureaus as 13 late payments instead of one or however many the loan payments I could not afford to pay on time which adversely and untruthfully affects my credit report multiple times, -XXXX should accept payment of less the combined minimums off all loans on the account, allow borrowers to direct the underpayments as it allows borrowers to direct overpayments, and report truthfully to or instruct the credit bureaus in the manner in which multiple loans on one account are treated so the penalties for late payments are not unfairly multiplied against the borrower, and -XXXX should be held accountable to some extent for their servicing and reporting errors, mishandling of account information ( misleading reporting practices ), the negative financial impact it has had on the student loan borrowers, etc.
Complaint sub-issue: Debt was result of identity theft

I am constantly receiving letters from Jefferson capital systems Trying to collect on a debt that I do not own I have reached out to the company on several occasions and the company refuses to Validate such claims and continues to harass and threaten to garnish my wages and/or salary if demands are not met
Complaint sub-issue: Was not notified of investigation status or results

my issues is that, I have two accounts XXXX BANK, and XXXX BANK, CREDIT CARD ACCOUNTS THAT ARE NOT SHOWING ON MY CREDIT PROFILE. IT HAS BEEN TOLD TO ME BY THESE TWO ENTITIES THAT THEY HAVE BEEN REPORTING TO EQUIFAX MONTHLY.
Complaint sub-issue: Other problem getting your report or credit score

I payed off an account that was in collections from Macys credit. Since I payed it off with the collections company they sent in the paper work to Macys to clear the account completely. Now that covid-19 has caused a shut down I am unable to get this cleared off of my credit record and this is proventing me from obtaining a mortgage. Could I please have someone look into this situation for me.
Complaint sub-issue: Frequent or repeated calls

Looking for help in resolving a misunderstanding that has cost me {$140.00} in late fees and negative impact on credit report. Began earlier this year when I discovered my old XXXX credit card had expired I applied for a new one. I later learned, however, that my previous online profile does not carry over from one card to another and therefore, the settings I had in place to pay my account in full each month ( as I do with all my credit cards ), had been reset. In addition, I verified the settings were in place after the new purchase, but assume now I was seeing the old online profile. I assumed statements received were duplicative and the account was being paid. <P/>I never received other notifications from XXXX, by e-mail or by an identified phone caller. What I did receive, which I discovered in hindsight, were repeated robo-calls coming from a non-identified number that never left any voice mails. All this couldve been easily resolved with a simple phone message or e-mail notification. <P/>It was not until I received a letter from the collection agency that I became aware of the matter and when I did, I immediately brought my account up to date. However, by this point, there was no ability ( or willingness ) to adjust late fees and my original a {$56.00} purchase had ballooned to nearly {$180.00}.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The following accounts are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX and XXXX/XXXX XXXX XXXX, with a balance of {$420.00}.
Complaint sub-issue: Information belongs to someone else

I mailed a certified letter to Equifax requesting an investigation of the inquiry thats on my credit report. The inquiry date was : XX/XX/2018 from Company : XXXX XXXX. I never applied or authorized this company to check my credit. Furthermore, I currently do not have any account with this company. Equifax failed to re-investigate. I also sent a letter to XXXX XXXX requesting for proof of this authorization, yet I received a response.
Complaint sub-issue: Information belongs to someone else

I don't recognize any of these accounts, i believe, that someone used my personal information to apply for these.
Complaint sub-issue: Debt is not yours

I HAVE NO OUTSTANDING DEBT FOR XXXX. ON XX/XX/18. THIS DEBT IS NOT MINE. FRAUDULENT REPORTING
Complaint sub-issue: Information belongs to someone else

Please delete the following inquires as they were not made by me : 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, and the following accounts XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX as I have never applied nor giving consent for the following companies to have access to my credit report to establish account
Complaint sub-issue: Deposits and withdrawals

I tried to withdraw {$7000.00} cash on XX/XX/2023 and deposit It to different financial institution to pay credit card bill I was told we have only {$3000.00} cash on hand and we will get drop on Friday XX/XX/2023 to already made payment to XXXX XXXX XXXX for {$5000.00} and {$1700.00} to XXXX XXXX and was planing to withdraw another {$5000.00} to deposit to XXXX to reduce my debt ratio now I dont know what to do I have {$89000.00} in US bank and can not withdraw {$10000.00} that wasnt intent before month end please let me know what to do this never happened with others bank the teller name was XXXX at US Bank in La XXXX XXXX in XXXX Ca XXXX XXXX I only withdrew {$3000.00}.
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax and XXXX are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature with XXXX and XXXX inquiry on file of the account # XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX  and Equifax is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. FTC Report attached, Delete XXXX inquiry and XXXX account immediately.
Complaint sub-issue: Was not notified of investigation status or results

Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report and they haven't responded in over 30 days.
Complaint sub-issue: Debt is not mine

I rented an apartment at XXXX XXXX XXXX in XXXX WA. They are owned by XXXX XXXX XXXX. Part of our rent was paid by XXXX. Months after we moved out they said we owed back rent because they sent a refund to XXXX. XXXX denies this. ( Part of XXXX ) XXXX also says we could not have moved if we owed rent. XXXX could not produce a copy of the check, the check number or date sent. They had no proof. But continued to try to collect from us. Then they sent it to Hunter Warfield in Florida for collection. I asked for verification and disputed the debt. No verification was provided. I also asked them to stop calling me, a cease communication letter. To date they call me every day. I am sending another letter to get this stopped but they will probably ignore it. They threaten to report it to the credit agencies. Owed rent is not reportable anyway but they will list it as other. Also they have not taken us to court to get a judgement. I said I welcome court because I believe they could not prove their case. They just continue to harass with no proof.
Complaint sub-issue: Information belongs to someone else

A lender brought it to my attention that this company has me attached to two socials or more than one social. They did not specify. They did say that this is common with identity theft and that files are known to merge when someone is using your info. I am a victim of identity theft and first became aware XXXX of 2017.
Complaint sub-issue: Public record

On XX/XX/2016 I started my dispute with Equifax regarding Tax Liens and a bankruptcy on my credit report. I asked them in my initial request to validate and verify the debt providing me with copies of any documentation bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. As you will see in the documentation, Equifax deleted XXXX records except for the bankruptcy and 1 tax lien. However, they did not provide any documentation verifying my signature. They stated verified but provided no evidence of how it was verified. I also discovered that 1 record they stated deleted, was back on my credit report as of XX/XX/2016. I then sent another letter on XX/XX/2016 to Equifax to validate this information and provide me with copies of documentation associated with these accounts. According to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. On my Equifax report the bankruptcy remains along with one tax lien and they placed back a tax lien that was removed ( referred to earlier ). I 've attached my letters to Equifax, their correspondence, certified letter receipts, and the latest copy of my credit report from all 3 bureaus. I want the bankruptcy and tax liens removed if that can not be validated as according to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ). If they are not removed, I will have no choice but file a small claims lawsuit against each agency seeking damages for defamation, negligent enablement of Identity Fraud, and violation of the Fair Credit Reporting Act. Any help CFPB can provide will be truly appreciated.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a collection on my Equifax credit report that was paid and not updated and removed. I have submitted three disputes with evidence that the collection was paid and Equifax continues to report erroneous information.
Complaint sub-issue: Was not notified of investigation status or results

I have not receive any response from this company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On my XXXX XXXX phone all XXXX credit reporting company 's login and passwords all taken off screen. Login will not work i have all XXXX with a security freeze. Sense a year ago there should be no activity on these accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

I was A victim of identity theft. XXXX XXXXXXXX had marked me late payment for charges that didnt belong to me. I addressed the issue and they removed the late payment. 
six months later they have updated the reports and are re reporting the same issue from identity theft. Now it is causing damages and keeping me from being able to get A home.
Complaint sub-issue: Account status incorrect

This bike was totalled and balance still showing in full. This case was handled by an attorney as my husband was involved in a XXXX. The company has failed to have this addressed. Our attorney XXXX XXXX XXXX have also tried to resolve. This was involved with gap coverage and was paid off. I have been denied employment and credit due to this. I have spoken to legal department and all. This account was not treated properly or handled professionally at anytime and covid caused it to be very difficult to reach anyone.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the account listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$7300.00}
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the 3 credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Information belongs to someone else

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). I demand that you block these alleged accounts Pursuant to 15 USC 1681c-2. You Credit Reporting Agency did have permission from me the consumer to furnish any alleged debt to my consumer report and that is a direct violation of 15 USC 1681a ( d ) ( 1 ) which states a consumer report means any written, oral or other communications. 15 USC 1681a ( d ) ( 2 ) ( B ) also states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer report. All the account listed in the Identity Theft Report are all extension of credit that need to be removed. You Credit Reporting Agencies have a obligation to follow procedures pursuant to 15 USC 1681e ( b ) to assure maximum possible accuracy of the information that is being furnished on my consumer report. Pursuant to 15 USC 1681i ( a ) ( 5 ) when an account is inaccurate or unverifiable it should be deleted immediately. You will be held liable for willful non compliance and physical and emotional damages. Pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) no more than {$1000.00} fir each violation you have violated. Also 15 USC 1681o for negligent non compliance an I will be seeking remedy for the damages you have caused for failure to obey federal law.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account xxxxxxx, XXXX Account xxxxxx, 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
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX This auto company needs to update my credit reports as of now not late and have a balance for XX/XX/2018of XXXX. it is showing on my report that I am still owing {$1100.00} while I have no past due as of todayXX/XX/2018. 

They have customer service foreigners that did not always understand me whenever I talked to them.
Complaint sub-issue: Personal information incorrect

I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent two letter to all the credit reporters on XX/XX/2022 ( certified mail ) and XX/XX/2022 ( regular mail ), asking each of them please remove them. Also, more than 30 days without any response without removing information requested is a violation of the FCRA. As you can see. I made two attempts and have not received any response from either.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report and need to update from reporting. 
XXXX {$0.00}