Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to get these negative items investigated and removed off my credit report because I have no knowledge of these accounts. The credit bureaus Equifax, XXXX, XXXX have deleted the accounts which confirms that the information is incorrect. However they placed the items back on my credit report.
Complaint sub-issue: Credit denial

Submitted a boat loan application to Bank of the West on XX/XX/21. Received a denial for credit on the morning of XX/XX/21. I reached out to them for an explanation and was told my " DTI is too high ''. I provided supplemental documentation and a complete calculation of my debt vs. my income, as stated on my credit report. My DTI is under 40 % with the requested financing, which is the threshold for qualification. However I was still denied, despite having sufficient income and an average credit score of XXXX. I meet all of the lending guidelines which leads me to believe that a violation of XXXX may be in play here. I suspect it's due to me being pretty young for a typical boat buyer.
Complaint sub-issue: Information belongs to someone else

I have this accounts that are not mine and i want them to be remove from the 3 credit reporting agencies. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX I was opening mail concerning a credit card I applied for at XXXX. They reported that I did not qualify for the lowest interest, and stated it was based on my credit score and credit report. 

In the body of the letter I received it stated that under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact : Equifax Credit Information Services , Inc., XXXX XXXX XXXX, XXXX, GA XXXX, XXXX http : //www.equifax.com. 

I then called the phone number to request a copy of my free report. I spoke to XXXX, and was then asked a lot of questions : my full name, my ss #, my address, my home mortgage holder and amount of my mortgage, my car loan provider and the amount I pay, my other credit card cards. 

At this time I felt I was providing information to a scammer to use against me to get my identify for fraud. 

I then asked to speak to her supervisor. After a lengthy wait I spoke to Supervisor with first name as XXXX. She said that they have to ask me these questions to ascertain whether I am the rightful holder of the credit information. I asked them how may ways do I have to confirm who I am am. Send me my report and I will report any reporting errors. I then stated that I feel this is unreasonable and unnecessary since I do not think that you asked XXXX XXXX for all this information about me BUT you sent them a report on me. 

When I asked where the supervisor where she was located, she announced the XXXX. When I told her that this smacks as your company trying to get my information to steal my identify and that I do not feel secure answering anymore questions. 

I then asked for her supervisor and she said that her supervisor would tell me the same thing. 

I then told her I would report this company to the XXXX XXXX XXXX and the Consumer Finance Agency. 

I then stated I would like her to hang up so that I can take the survey they asked me to take at the beginning of the call to tell them about my experience and to tell them how dissatisfied I was. She then wished me a good day and hung up. Then a voice next came on the call said to take the survey, press 1, which I did the connection was severed. 

I believe this company and its operation is fraudulent and as I see from many other same complaints, it should be investigated for misuse of information, not providing what they profess to provide and action taken against them to rescind their license to be credit reporting agency and the public be informed that it is not an authorized credit reporting agency. 

I also request that an investigation be made into their call collection information such as the one I experienced and whether it leads to identify theft. 

I will be following up with my congressman on this complaint.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21 Amount of {$1400.00} marked XXXX XXXX XXXXXXXX has refused to remove this from my credit report.
Complaint sub-issue: Can't qualify for a loan

I applied for a bar study loan with Sallie Mae, the representative ran my credit report and stated that I qualified based on the information in my credit file however because I did n't have a job offer yet, he could not approve me. I have a non-traditional name and I believe that the representative knew that I was not XXXX based on my name and used that to discriminate against me. I know several people who have been approved for the same loan who did not have a job lined up at the time of their approval. I attended XXXX University in XXXX XXXX, Iowa.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

MY BUSINESS BANK XXXX XXXX.WE RECEIVED A LOAN FROM XXXX XXXX.WE PAID IT OFF ON TIME FOR 4 YEARS STRIAGHT ON TIME EVERY MONTH, THEN IN TURN WE HAD FRAUDULENT CHARGES OF ABOUT {$80000.00} IN FRAUDULENT CHARGES IN WHICH WE THINK OUR BUSINESS ACCOUNT WAS HACKED ONLINE IN HOW THE MONEY WAS STOLEN WE HAVE HAVE ALREADY RECIEVED ABOUT WE WANT THE THE MONEY OF {$24000.00} IN MONEY THAT WAS STOLEN BACK FROM CITIBANK! WE WANT THE MONEY OF ABOUT {$2500.00} PUT BACK INTO OUR BUSINESS ACCOUNT DUE TO THE FACT THAT THEY MEANING THE COMMERCIAL LOAN DEPT OF CITIBANK DID NOT DO THEIR JOB BY OBTAINING OUR UPDATED NEW BUSINESS ADDRESS AND PHONE NUMBER THAT WE HAD ALREADY PUT INTO OUR CITIBANK ONLINE BUSSINESS ACCOUNT UPDATEDING THAT WE HAD MOVED AND WE HAD ANEW PHONE NUMBER WOULD EXPLAIN WHY WE NEVER RECEIVED ANY NOTICES OR WARNINGS ABOUT THE LOAN BEING BEHIND IN PAYMENTS OR ANY ANY HELP THEY COULD GIVE US OR TIME BORROWED BECAUSE OF THE FRAUD TO OUR BUSINESS IN HELPING US TO HAVE MORE TIME TO MAKE PAYMENTS ON THIS LOAN AND BY THE WAY WE SUCCESSFULLY PAID OFF ANOTHER LOAN 2 YEARS EARLIER IN FULL TO THEM!!!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

I paid an agreed a pun amount between myself and Macy`s for credit card debt. After I paid them they sent a letter dated XX/XX/XXXX stating my account balance is XXXX. On XX/XX/XXXX they reported to all credit bureaus that I owed a high amount of debt.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2022 XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I have NEVER had XXXX XXXX card  nor home depot card. I have never used any name ending in XXXX. I have never lived in XXXX nor XXXX XXXX Florida. My only last social security 4 digits are and only XXXX. 
XXXX XXXX XXXX has been harrasing mr for over 20 years and I have never done sny business with XXXX XXXX XXXX. 
lastly. I have never defaulted a student loan. I was active student. later had forbance. due to hurricanes in Puerto Rico.
Complaint sub-issue: Problem with fees charged

I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Superstores , Inc finance on XX/XX/2021. A consumer credit transaction is a transaction in this a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Since, I know the finance charge is the sum of all charges.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

We try to find out with this company National Recovery what is going on with the debit reported for a {$4500.00} and was told to me that this debit it comes from a gas company XXXX XXXX. I ask to have some paper work that to confirm this bills that i own because there is no chance that i own those money.If you own anything to any utillity company if u do not pay for a month your bill they will stop your service but {$4500.00} ar to much for a bill This company try to threat me that they take me at court and thet will have a Sheriff Department coming to arrest me if i do not pay.My life is so stresefyl right now from this company. 
They can't prove the bills to show the real amount The adress on file do not match at all with where i live and the state i am in
Complaint sub-issue: Information belongs to someone else

My identity has been compromised and the aftermath of this is the following unauthorized accounts inwhich is reporting on my credit file needs to be blocked and removed immediately unless the major reporting credit bureaus could provide me with physical documentation, id and signature of mines in relations to this unauthorized fraudulent accounts. Please remove the following accounts.

1 ) XXXX/ XXXX XXXX 2 ) US Dept of Education {$3100.00} 3 ) US Dept of Education {$1700.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

Veros credit has reported to the credit bureaus, the same account three times with different amounts.Each has the same account number listed. The amounts are XXXX, XXXX, & XXXX. These are false statements.
Complaint sub-issue: Can't close your account

I closed a savings account at CitiBank in  XXXX  2017. For the last four months CitiBank has added a {$59.00} charge to this account that I 've closed, I get calls from CitiBank drones telling me I have a negative balance. I called CitiBank to close the account again, and again the same thing happens. I have closed this account four times and CitiBank will not close it. I just got three calls from the CitiBank drones for a negative {$59.00} balance. I want this account closed! It has a   XXXX    balance.
Complaint sub-issue: Trouble with how payments are being handled

I have been trying to get a {$0.00} balance off my account. The minimum payment is {$1.00} but you can't make a payment of more than what you owe. I am stuck. Discover Student Loans claims it has been working to resolve this issue for months. They have continued to mislead me by patronizing statements and claiming I would receive documents explaining the situation and I have not. This student loan still shows on my credit report because the loan is not closed. There is seemingly no reason in Discover 's own words, that I owe them anything yet they continue to have this account open with a balance. Discover Financial had {$93.00} billion in assets in 2016. You expect me to believe that you don't have the IT infrastructure to solve this in less than 3 months? This is predatory. You are trying to export me and I will not stand for it.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTIONS ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$1100.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


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: Their investigation did not fix an error on your report

Consider this as a follow-up to my last complaint regarding the account that is reporting incorrectly. I have not yet received a confirmation that the aforementioned account is fixed or resolved. I am including that account again here it is : XXXX XXXX XXXX Balance : {$6400.00}
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I was notified that Enhanced Recovery Company reported a balance for an old sprint bill to the credit bureau 's in XX/XX/2020. This debt was not only discharged in a bankruptcy, but it was also reported well outside of the statute of limitations. They arent even reporting all of the required information, such as date the account first became delinquent with the original creditor. When the credit bureau 's attempted to validate the information with them, instead of checking their records they simply reported it as accurate. To date, this company has not rectified this error.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I made a purchase in XX/XX/XXXX at Best Buy in the amount of {$1200.00}. {$720.00} was returned within a few days. Balance owing was {$510.00}. There is a charge of {$210.00}, {$42.00}, {$87.00}, {$93.00} that are not mine. The only other charge I have made were {$140.00} and {$150.00}. Total is {$1000.00}. To date I have made payments in the amount of {$1100.00}. Interest charges {$620.00}. Late fees in the amount of {$370.00}. 

I did not sign up for interest free or deferred payments. Since interest charges have been charged each month, this would not apply. 

What I would like Best Buy or XXXX to do is adjust my account and let me know what is the exact amount I owe. 

And, I do not appreciate XXXX to send threatening remarks in a letter that was sent to me on XX/XX/XXXX by XXXX XXXX, Executive Response Unit. 

I am sure XXXX will do the right thing and adjust these charges, interest and late fees.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I just reviewed a copy of my credit report and there are some hard inquiries that I dont recognize. 

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 XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Conns home plus is reporting a late payment for XX/XX/2020 when in fact I paid them 2 payments in XXXX. This needs to be removed from all credit reports.
Complaint sub-issue: Attempted to collect wrong amount

Firstmark services are currently handling my private student loans from XXXX. I recently became concerned with their service when they began requesting payment while I was still attending XXXX  school. Based on XXXX XXXX policy, All payments are deferred while in school. Firstmark claimed there was a time limit regarding deferment but could not provide a written document supporting this. It was clear that this policy could not be substantiated. XX/XX/2020, I requested to have my promissory notes from all three loans currently being handled by Firstmark services in order to verify if the deferment policy was listed on my signed documents. I only received two documents and was told that one was a mastery note ( that regarded three loan pay outs ) and the other was for only one. However, later I was informed in a phone call ( XX/XX/2020 ) that three promissory notes existed and would be sent immediately. This would prove to be false and I was sent only the two promissory notes again. Upon reviewing the notes, I found that I had checked a box that stated 'MAKE NO PAYMENT WHILE IN SCHOOL '. Also, I saw that there was a discrepancy between loan amounts on promissory note and what was being charged by XXXX based on Firstmark 's records. I believe I have been charged for an amount that I did not fully receive and therefore also charged interest based on a wrong principle amount ( original loan balance ). I will be attaching both promissory notes that I have a received and letter from Firstmark that shows what principle ( or what should be original loan amount ) and interest they have on file.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX there XXXX no third party involved in the filing of this complaint and this complaint has not been made in error.
Complaint sub-issue: Problem with customer service

This is related to the Public Service Loan Forgiveness ( PSLF ) and the US Department of Education. I have the usual complaints I am sure. Delayed responses. Inaccurate qualified payment count. Wrong employment start date. It seems like they should take the information required on the certification form, verify it and enter it into the system and that should be it. Instead it takes multiple phone calls and emails only to receive a generic response and then there is no follow up. I have been doing this for around 4 years now and in 4 years I have yet to receive an accurate update on my status.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 USC 1666B this is a billing Error always paid as agreed on time this is an error this account in Violation. 

XXXX XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX  FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.
Complaint sub-issue: Funds not received from closed account

Despite repeated requests, Citibank refuses to return the {$150000.00} I have on deposit with them in a money market account. I decided to close my account when I first learned that the account was subject to withdrawal limitations that were not disclosed to me. I requested closure on XX/XX/XXXX and was told that the balance would be returned to me via XXXX within 3-5 business days. On XX/XX/XXXX, I spoke with XXXX that the closure had been requested on XX/XX/XXXX, but that the " back office '' had not yet approved it. She indicated she would send another request to the back office. On XX/XX/XXXX, I again contacted Citibank and after about an hour, I was finally connected to XXXX, a supervisor in the client relations department. He advised that the back office had not yet approved the closure, and he did not know when that would be done. He said he would make another request. When I asked about the reason for the delay, he replied " that is a very good question '' and that the delay was " definitely unreasonable. '' He declined my request to send me an email regarding our discussion. 
Citibank has no legal justification to refuse the immediate return of my funds. In my opinion, their failure is both unlawful and unethical.
Complaint sub-issue: Account status incorrect

In XX/XX/2020 CONNS reported tree late payments ( XXXX, XXXX and XX/XX/2020 ) then my credit score decreased by 27 ponts. On XX/XX/XXXX I got an e-mail statig that the problem was corrected, which was true. On XX/XX/XXXX I got a credit credit issue alert through a XXXX  credit monitoring services about late reporting from one of my creditors, when I checked it, I found that CONNS has re reported late again the previously corrected issue.
Complaint sub-issue: Personal information incorrect

My complaint is against EQUIFAX. For over a year or more I have been attempting ti have EQUIFAX remove an incorrect former address from my credit report that is completely strange to me. I never lived there and it is not familiar to me. 

I have repeatedly contacted them. The tell me that is corrected but it keeps reappearing. 

I can no longer get any new reports to check it without being charged for them. 
This is not fair. It is not my error!