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

In 2015 I requested a copy of my ( XXXX ) credit files from each of the bureaus but only received my report from Equifax in which I found a judgment from XXXX XXXX XXXX for an account that I knew nothing about. Whilst investigating this information I approached XXXX XXXX Courts file room using the case number reported in my report, it was established that there is no record of this case number or any account in my name warranting this inclusion in my credit file. I am requesting that Equifax make right the problem and delete this entry from my credit history and furnish me with an updated copy of my credit report showing the deletion of this entry.
Complaint sub-issue: Their investigation did not fix an error on your report

After receiving numerous calls, emails, and mail from Equifax stating I was apart of some type Breach and to inquire on settlement options I checked my credit report. Upon checking I noticed several inaccurate unauthorized inquiries. I immediately reached out and disputed. Each dispute has quickly been closed and since, more randomized inquiries have appeared prompting me to pay hundreds of dollars on a personal protective system. It has also caused severe paranoia, prompting me to check my credit several times a day rather than a couple times a month. My other reports are secure, accurate and never been hacked or exploited. During each call I am offered no true assistance or resolve. I keep a very detailed personal record of the XXXX XXXX and accounts I apply for and know without a doubt I did not authorize the activity. They have completely dropped the ball to ensure safety and accuracy of my report and have caused decrease in score and hiked rates. * 2 from XXXX, 1 from XXXX, XXXX
Complaint sub-issue: Information belongs to someone else

FAIR DEBT VIOLATIONS AND FTC
Complaint sub-issue: Account information incorrect

I have been disputing an account with XXXX XXXX for over the past year. The account in question has inaccurate information that the credit bureau has been reporting during that time frame and possibly longer since i found it on my credit report. The account is reporting a charge off each month and a balance of {$800.00} being owed to XXXX when the account has been sold to 3 different collection agencies over the past year and there should be a {$0.00} balance showing. These collection agencies are XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Complaint sub-issue: Account terms

I am a recipient of NYS XXXX. My coverage renewal was mailed to me XX/XX/XXXX. I had to fill out my NYS renewal forms and mail it to : Mail Renewal Program, XXXX, XXXX XXXX XXXX, XXXX NY XXXX. I mailed my forms in on XX/XX/XXXX. XXXX XXXX received it on XX/XX/XXXX. This form was sent to renew with my managed care program ; XXXX XXXX XXXX. I never received any updates via regular mail as I had requested when I signed up with my public assistance service. It was n't until I was inquiring on my coverage in XXXX that I found out that I no longer had XXXX XXXX Coverage. So, my coverage was canceled from XX/XX/XXXX to XX/XX/XXXX. I called my local social service office at XXXX XXXX and received the following status of my account:1. My mailed in application did not get processed after it was received on XXXX because it got transferred to the bottom of the list. 
2. On XX/XX/XXXX my account was noted under another persons name. 
I was then instructed that a new renewal form will be mailed out. I need to fill out and then return it. Weeks passed and I never received the duplicate renewal form. So I went into the social service office at Medical Assistance Program, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XX/XX/XXXX to submit a renewal form in person, which I did. After I submitted this form, to my surprise, I received a renewal form again in the mail on XX/XX/XXXX. The reason why this is important is because during the time when my XXXX care coverage had been canceled from XXXX to XXXX 2015 I made an appointment to see a Doctor who accepted my manage care coverage for payment. However, since I did n't have coverage during that point in time, now the doctor is billing me for the lapse in coverage of {$36.00} for patients with no health insurance coverage and {$320.00} for patients with healthcare coverage as what I have. XXXX XXXX is also billing me for {$77.00} for service rendered on the same date. Now XXXX XXXX and the XXXX is threatening to send my account to collections because of the payments not being paid. The account number for XXXX XXXX is XXXX XXXX XXXX invoice # XXXX. The date of service was XX/XX/XXXX. 
Dr XXXX collection number is XXXX at XXXX XXXX XXXX ext XXXX XXXX # XXXX service date XXXX. My NYS XXXX Benefit Account # is XXXX My Managed Care XXXX card # is XXXX. I am requesting that NYS XXXX or XXXX XXXX XXXX be responsible for this bill since neither of them notified me that I no longer had this medical coverage. Had I know this, I would have went to a straight XXXX provider for medical assistance. Please send me a response back in the mail at my address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX My phone number is XXXX XXXX XXXX Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX XXXX TYPE : AUTO FINANCING DATE OF INQUIRIY : XX/XX/2022 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Complaint sub-issue: Can't decrease my monthly payments

I have made every single payment on time. I have tried to get them to lower the interest rate ( it 's at 9.75 % ),. The last time I called them, they said there was nothing they could do, they could not refinance my loan, even though I 've paid every singe payment on time for the last 4 years. The gentleman I spoke to said the only way I could get the nterest rate lowered was to " be late on a payment, and then COLLECTIONS will call you, then you can negotiate with them about refinancing ''. Why do I have to go to collections before I can be considered for refinancing? I have a XXXX credit score, there is NO REASON for my interest rate to remain 9.75 %. It will take me XXXX more years to pay off my loan at that rate. Absolutely absurd.
Complaint sub-issue: Their investigation did not fix an error on your report

We have a conventional loan on a rental property with XXXX Mortgage and the servicer is XXXX I believe. I have filed a dispute with all three credit reporting agencies as well as XXXX. Transunion says they deleted the item but XXXX refuses to remove it and that is affecting our XXXX and Equifax report. This report caused a line of credit to closed and will affect us for 7 years. We have NEVER had any item reported on our credit nor been late or collected upon. This is a situation where the check was lost in the mail. We were not notified personally by phone ( because XXXX   did not have our correct contact information and you will see documentation verifying our phone numbers have been changed in their system. The notices that we received in the mail we assumed crossed paths with the check ( as many times happens ) since the check had been mailed on time. Once I finally contacted XXXX by phone to find our what was going on ( they never contacted us by phone ). The double payment was made THAT DAY to correct the error and a stop payment placed on the original check, which has never shown up. All of this is documented and we feel unfairly treated due to all of this human error and the fact there was no contact by telephone to alert us of this error.
Complaint sub-issue: Account information incorrect

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have 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 accounts reporting on my Credit Report : XXXXBalance $ XXXX Opened : XX/XX/2013 XXXXBalance $ 4,265.00-Date Opened : XX/XX/2013
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an accounts that does not belong to me.
Complaint sub-issue: Didn't receive enough information to verify debt

I tried to make payments and I believe these are not reflected on the XX/XX/XXXX debt collector letter. MRS BPO , LLC I think does not know that I made ACH wire payments, one including over {$100.00}, to XXXX XXXX XXXX account # XXXX. 

I would like an acknowledgement from MRS BPO , LLC that on XX/XX/XXXX at XXXX I made, according to my records, an ACH wire payment of {$120.00}. I do not believe that MRS BPO , LLC has credited this amount on my account. Thank you. 

Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

So I sent letters off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third parties. 

These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Problem using a debit or ATM card

MoneyLion chooses not to follow EFTA federal law. On XX/XX/2020 tried to withdraw {$120.00} at atm. ATM showed message on screen ( as best as I remember ) saying error contact your bank or card issuer. I received {$0.00} ( XXXX/nothing ) of the {$120.00}. However it still was deducted from balance. This happened to me once before and that time it was corrected quickly itself. So I waited before contacted MoneyLion in hopes it would resolve itself again. But it didnt therefore I filed a dispute claim on XX/XX/2020 by phone then per MoneyLions request signed & completed their dispute form and sent via email on XXXX XXXX. On XX/XX/XXXX and XX/XX/XXXX sent numerous emails asking for update and asking why if not claim wasnt completed why I hadnt received a provisional credit after 10 days per EFTA federal law? But never once received an response back. Called on XXXX XXXX and 1st representative repeatedly said Id receive a provisional credit on XXXX XXXX. No help. Called back and asked to speak to a supervisor but representative said she needed know why before speaking to a supervisor. Explained everything. Representative said same thing as 1st representative but she stated I wasnt eligible for provisional until XX/XX/XXXX ( Ive had this account for 4 months so I wasnt a new account ). I asked why MoneyLion wasnt following EFTA federal law? Representative only repeated herself about not being eligible till XX/XX/XXXX. I never spoke to a supervisor and hung up on representative out of frustration and anger. This is an atm error. So now I cant pay my electric bill which was due over 2 months ago! Very disappointed with MoneyLion.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2018, I opened checking and savings accounts with Citibank under a promotion that offered a {$400.00} bonus with the following terms : 1 ) Open a new checking and savings account in the Citibank Account Package betweenXX/XX/18-XX/XX/18 ; 2 ) Within 30 days of opening your account, deposit {$15000.00} New-to-Citibank funds into the checking and/or savings account ; and 3 )  Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. I will provide a copy of the offer. I was an " Eligible Customer '' as defined by the offer, and I met the terms of the offer, but Citibank has not paid the {$400.00} bonus. 

According to my account statements, which I will provide, I deposited the required funds on XX/XX/2018, and I maintained the required minimum balance until XX/XX/2018. Citibank was supposed to pay the {$400.00} bonus within 90 days of when I completed the required activities. I completed the required activities by XX/XX/2018. Therefore Citibank should have paid the bonus by XX/XX/2018, but they did not. 

I contacted Citibank by " chat '' on XX/XX/2018, and again on XX/XX/2018, to inquire when the bonus would be paid. I will provide transcripts of these chat sessions. Both times, Citibank representatives assured me that I had met the terms of the offer. On XX/XX/XXXX, the representative said that I needed to " wait for the reward to appear. '' On XX/XX/XXXX, the representative said that Citibank would review my account and respond within 2-7 business days. I have not received a response, and Citibank has not paid the {$400.00} bonus.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of 2021 I began going to XXXX XXXX XXXX as recommended by my doctor. I received one bill from them sometime in XX/XX/2021, I suppose after they had charged my insurance. I went online to pay the bill but their payment portal was giving me issues. I called the location and, in turn, they had to call another location for assistance. I was then informed that they do not take online payments. After that call, I made several attempts to pay by cash at ghe location but was told they do not accept cash, by phone via credit card but something was wrong with their system, etc. I was supposed to get a call back but I suspect it slipped the mind of the receivables department. It also slipped my mind. I never received any other correspondence from the company. I then thought about it either XX/XX/2021 or XX/XX/2021 and went to the location to pay and was told that it had gone to collections. I was goven the information on the collections agency. That is when I found out that that agency has already reported the account to the credit bureaus. I had received to communication from the agency at all nor any communication from XXXX XXXX XXXX since XX/XX/2021. The bill was for {$280.00} originally. I pay my bills and would had no issue paying this one either. The {$420.00} includes a collection fee of approximately {$130.00}. I called the collection agency to pay the fee after having a conversation with the representative on the account. He stated to me that if I paid the agency would remove the account from my credit report. I asked for that in writing but was told that the agency doesn't have to do that and that I would just have to take their word for it. This seems like bad practice all the way around fron the XXXX, to XXXX XXXX to the way the credit bureaus ( XXXX and Equifax ) handled the whole thing. This issue dropped my score from over 800 to mid 700s and now I have a derogatory mark on my report for nothing.
Complaint sub-issue: Trouble with how payments are being handled

One of the companies handling my loan, XXXX, proactively stopped requiring payment due to forbearance from COVID. My other servicer, AES, did not, so I applied for forbearance from them as well. They denied my request and continue to bill me.
Complaint sub-issue: Account information incorrect

All  XXXX  credit reporting agencies show a balance of {$37.00} on a credit card account ending in  XXXX  under  CBNA  sinc e 2011. I do not have an account like that and I certainly do not owe any account since 2011 and have not received an y notification of such a debt. I want it removed from my credit reports.
Complaint sub-issue: Application denied

I applied for a Home Depot/Citibank credit card on XX/XX/19. Application Reference # XXXX. I have a credit score of XXXX and no debt. I just purchased a home and I was in the store to purchase a Fridge and blinds. I applied online and I was told to go to the store to have the store associate contact citibank. Citibank advised that I need to bring a credit card for identity verification. I went home and retrieved my XXXX XXXX   Shops credit card and returned to the store. At which point ; they requested another credit card for additional verification which I thought was ridiculous considering this was not advised before. They denied my application for reasons i can only assume was due to discrimination.I contacted all 3 credit bureaus and each representative stated that there is no reason why I be denied for credit. Please advise
Complaint sub-issue: Banking errors

I filed a Dispute with Synovus Support concerning three ( 3 ) fraudlent transactions. I had been asked for proof concerning one ( 1 ) of the transactions. ONLY one of the three ( 3 ) transactions. I then provided that requested proof. 


On the XXXX I called Synovous Support and learned that they had taken funds from my account claiming they denied one of the other two transactions because the original rep made a misatke and ALSO listed that item as though I had needed to send in proof for it even though the rep had NEVER asked me to! 

The disrespectul phone rep I first spoke to on the XXXX kept dodging and ignoring me EVERY time I stated this made NO SENSE and that it was an error. She kept simply repeating " You will need to submit the proof you were required to '' and " but it is unlikely the dispute will be reoppened anyway. ". 

That was INSANE! 

She kept ignoring me and repeating the above like a broken record until I asked for a Supervisor. 

She then simply hanged up on me! 

No repsect what-so-ever. 

It is not my fault that the original rep made a mistake, and I did not deserve this treatment from Synovus ; 's rude staff! 

It is clear they have no interest in even admiting their staff 's mistake, even less addressing and correcting it!
Complaint sub-issue: Don't agree with fees charged

The loan was with Great Lakes I paid they transferred to another agency now they transferred to malt her agency o ca n't get any info I get no bills and they keep taking taxesi called the XXXX collections they said another has it I have no info!
Complaint sub-issue: Was not notified of investigation status or results

On [ XX/XX/2021 ] I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the XXXX  you caused me.
Complaint sub-issue: Their investigation did not fix an error on your report

Office of the Attorney General reported in XX/XX/XXXX my child support will never late in XXXX and XXXX. I have a XXXX balance. I screen shot the picture of XXXX balance and no lates. However upon looking at the months after it shows 30 late XXXX and 60 late in XXXX. I need this corrected. I have attached a screen shot of the item from XXXX and i need it to be corrected to show the exact same on my report for all three bureaus.
Complaint sub-issue: Information belongs to someone else

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report.

Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
Complaint sub-issue: Can't get other flexible options for repaying your loan

XXXX XXXX ( XXXX ) XXXX calls repeatedly about a " federal loan '' that is not pertaining to me at all. When I call them and tell them about it they will say I'll be put on the do not call list and not bother me, but then still call me every week and sometimes multiple times in a day ....
Complaint sub-issue: Was not notified of investigation status or results

I registered for a class with XXXX and could not continue so I was advised to drop the course and I did so within the appropriate timeframe. The school did not process my request until a day or two later which caused the drop to pass deadline date. Even though it was an error on their part, they told me I needed to pay {$870.00} for some full tuition and a resource kit even though I never took the class. The charge was for {$870.00} is now in collections. I reached out to them and informed them that it was an error on their part, however no investigation was done and I was stuck with a bad reporting even though I never took this class, I asked to speak to a XXXX or supervisor no one responded. They emailed stating that I need to contact the collection agency and no investigation was ever done. Since it was an error on their part I feel that this is unfair.
Complaint sub-issue: Account status incorrect

I paid off my mortgage. I am requesting that the company mark my Credit report as Paid in Full. I had filed Bankruptcy XXXX but the mortgage was not included. That was discharged in 2017. I have attached documentation from the mortgage servicer that is was paid in full and also the wire transfer document.
Complaint sub-issue: Deposits and withdrawals

My name is XXXX XXXX and I signed up wise to receive payments but unfortunately this company frozen my funds in my Wise account without any explanation as to why they would not give it to me. 

My email with wise is XXXX This company called Wise is a very fraudulent company because they have blocked thousands of customers accounts and purposely hold their funds. 

After a lot of appeal, I logged into my account through the appeal website and saw that wise has asked for details of my bank for a refund of the balance on my wise account and I provided my USD bank details on Monday XXXX XXXX, 2023. 

I need wise to issue a refund to my XXXX bank details and to apologise to me for holding my funds for so long. 

My Bank details I submitted to wise is Routing number : XXXX Account Number : XXXX I also need a receipt of payment to he sent to their response to this complaint after the funds have been sent Again, the email associated with my wise account is XXXX XXXX