Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

On XXXX XXXX I am received funds of a business transaction for materials. I immediately deposited the check into my business account it was Friday. The company contacted me via messenger to check if the funds were available. Sidebar this check was sent viaXX/XX/XXXX. The funds wasnt available on a Monday I immediately contacted the bank as to inquire about the check and why was it taking so long to clear. The representative said a letter will be mailed out about the Check. I immediately asked what was the problem. I came to understand something was wrong. I was concerned, this was my business account my livelihood. I received a letter stating the check was being held for clearance. I immediately the company that distributed the check. They didnt answer me from that day til this one. The bank froze my account, charged me for monthly charges. I wasnt able to mange or produce business thru my account. The only way I found this out was I signed onto the account and it says XXXX dollars. I immediately call the bank to gain a greater understanding. I was treated like a criminal, what the bank wanted to take out on the company that sent that check to me they totally took out on me. My civil rights were violated. I again I reach out to the bank, I was sent to the fraud department, I explained to them I havent been contacted by the bank and my account isnt accessible to me. I learned not only was the check frozen but so was my account. The representative got in touch with the back office. A XXXX XXXX XXXX was very very rude and she beat around the bush very bad. I asked about my accessibility and can I deposit money into my business account. I was told yes and then no. At the end of the call I was told to go to the bank to retrieve my cash. I went and was totally embarrassed. I sat in that bank not being helped until closing. XXXX XXXX looked away from me the whole time never attempted to call anyone just had me sit she took my license and the paperwork that I have to her but told me that she couldnt help me. Thus was the second time I went and the same thing happened except this time I was asked to leave because there was nothing that could be done and they were leaving for the evening. I have lost a lot of money and business behind this very rude interaction. Im in debt today because of this and my two business are in jeopardy. When I walked in the bank I was looked at as a joke.XX/XX/XXXX+++ shouldnt be treated like this because I identify myself as myself. I was so humiliated! As am entrepreneur Im at a lost of words as an minority. I never thought I would experience something so mean here in New Jersey. This bank dont take likely to my kind and Im truly offended. I also had the liberty of speaking to XXXX XXXX XXXX and I still dont know why she called me its meaningless. Please help!
Complaint sub-issue: Information belongs to someone else

Account : XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX  # XXXX I have not been late on the account and request Method of verification for late payments. Per the Care Act and payments made on the account should not have been registered as Late. 

Please correct payment history.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Im a costume of XXXX and my account is correct and pay every month on time, but for some reason they have a next account in my name that doesnt belong to me and XXXX wants me to pay for this account what doesnt belong to me because I only have one account with them, it was removed before from my credit report
Complaint sub-issue: Was not notified of investigation status or results

hello i have a legal name change that i am trying to update with equifax its being more than 6 months now, thats i have been try to get my name change at equifax, unsuccesfully, i already sent them my new issued social security card, my certificate of naturalization and everything but they still not want to update my information.what is the proper way to get this solve.   thank you
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 Account # XXXX has violated my rights. XXXX XXXX XXXX  Account # XXXX has violated my rights. XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my right. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX 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 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: Threatened to sue you for very old debt

FCRA Section 604 Permissible Purpose FCRA Section 609 Disclosures to consumer
Complaint sub-issue: Public record information inaccurate

I have a public record entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax and XXXX  verify their public records. 
I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. 
I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. 
Being that I work for a XXXX XXXX, I know the court system and their procedures but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the courthouse. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. The manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuse to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute the following information that appears on my Equifax consumer report : XXXX XXXX XXXX XXXX : XXXX Creditor Account No. : XXXX Balance Owed : {$110.00} On XX/XX/XXXX a collection for {$110.00}, owed to XXXX XXXX XXXX, was added to my Equifax credit report. On XX/XX/XXXX I opened a despute challenging the validity of the collection reported by Equifax Information Services and requested the method of account verification and proof bearing my signature, stating that I have ( or ever had ) some contractual obligation to pay them. The " request letter '' was received by Equifax Information Services via USPS Certified Mail on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Equifax which outlined their investigation methods. Equifax then marked the account as verified, never stating their method of verification. I then contacted XXXX XXXX XXXX via USPS on XX/XX/XXXX, requesting any proof of a contractual agreement between myself and their company. In response to that request I received a cover page with XXXX 's letterhead and a copy of a XXXX phone bill, not any sort of contract bearing my signature drafted between myself and XXXX XXXX XXXX XXXX 

Both XXXX XXXX XXXX and Equifax Information Services have failed to produce any competent evidence showing a contractual agreement was made between myself and XXXX XXXX XXXX, therefore I demand that this negative and incorrect information be removed from my credit report immediately.
Complaint sub-issue: Trouble with how payments are being handled

I have worked at the XXXX XXXX XXXX, XXXX XXXX ( XXXX ) from XX/XX/XXXX to XX/XX/XXXX and recently applied to for PSLF and was granted PSLF on XX/XX/XXXX. I have made multiple payments after leaving XXXX  totalling {$12000.00} ( see Student Loan Payments after XXXX XXXX  and a few of them totalling {$1100.00} have been refunded ( see XXXX XXXX XXXX XXXX ). However, a large amount, {$11000.00}, has yet to be refunded. I have contacted Fedloan Servicing about this issue but have yet to recieve an answer.
Complaint sub-issue: Information belongs to someone else

Equifax continues to report accounts that were discharged XX/XX/2021 in my Chapter XXXX Bankruptcy case as accounts that are charged off and collectible. These accounts should not be reflecting a balance because these are discharged debts I am not legally obligated for. You continue to report some XXXX az address too which Ive definitely never lived at XXXX XXXX XXXX XXXX XXXX, AZ XXXX is not my address. Why is it being listed on my credit file? Additionally you allowed hard inquiries from XXXX XXXX XXXX XXXX and XXXX  XXXX I didnt authorize either of these and my credit file is locked. See the attached documents for the discharge papers.update the credit accounts accordingly.
Complaint sub-issue: Information belongs to someone else

Certified mail/return receipt has been sent as of XX/XX/2021 to XXXX. Included in the documents there is an FTC identity theft, reporting companies creating accounts using my personal/private information without direct consent, XXXX is well aware I am a consumer and I have a right to privacy pursuant 15 usc 1681 ( 4 ). XXXX has allowed my reputation to be violated because their lack of following procedures, I have provided an affidavit of state stating the violations, each company involved does not have permissible purpose to be on the report, pursuant to 15 usc 1681b ( 1 ) ( 2 ), so they are operating ting out of compliance, and are liable for 15 usc 1681n and 15 usc 1681o. I have provided my demands pursuant to 15 usc 1681b ( 2 ) to remove such accounts and block the information on the file, XXXX has 4 days of the notice to remove the information listed within FTC identity theft report and the affidavits. I have personally sent all these documents to XXXX, this is not a third party and I have sent XXXX all documents required by law.
Complaint sub-issue: Account status incorrect

In XXXX of XXXX Sallie Mae Bank reported to the credit agencies that XXXX of my loans were XXXX  days passed due which dropped my credit by XXXX points. I made on-time payments the entire time I've had the loans. I contacted Sallie Mae to discuss the issue and they had multiple account errors with incorrect information, stating I was in the military and that my deferment period was already used. Both of these statements are incorrect. I've never been in the military. I contracted all the credit reporting agencies to dispute the late payments. I contacted Sallie Mae by phone and by mail. I provided proof of all my payments in XXXX and XXXX both on the Sallie Mae site and my bank statements. I have received no response from Sallie Mae and they have refused to take the derogatory payment remarks off of my credit reporting.
Complaint sub-issue: Problem accessing account

XX/XX/XXXXa hold was placed on my account. 
Its nowXX/XX/XXXXXXXX and stilk no resolve to my account even though its been past the 24 to 48 hr review they said its under. I provided all the necessary documents and still no access to my account at all. I recently was approved for the PPP loan which was deposited with no worries. They refuse to let me log in my account and access my funds. I need help ive done everything.
Complaint sub-issue: Their investigation did not fix an error on your report

if these accounts are for collection and collection is by default late, by default past due, number 3 both of them is a violation of FCRA- if its a collection, they should not say charge off. because a collection should not be late nor have a past due. Delete this error.. XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I spoke with one " XXXX '' from the credit/reporting department at MOHELA at which time I asked her why I was reported 90/120 days late without a 30 or 60-day report so that the issue could be addressed sooner. She graciously explained federal reporting requirements. I advised that I wasn't contacted prior. However, she suggested that it is MY responsibility to update personal contact information with MOHELA. Branding me with culpability was premature and unnecessary. As it happens, I am on a temporary job assignment with XXXX, my employer of approximately 5 years. I am out-of state sporadically for work and I requested forwarding for all applicable XXXX addresses to XXXX  so that I would not miss any mail. I asked what address they were contacting and she provided addresses that were several years outdated that I had never furnished to MOHELA instead of the most recent that actually had. As a consequence of correspondence being delayed, I lost 168 points on my credit score. I did not receive any emails. I did not receive any phone calls or at the very least any voice messages from any representative at MOHELA, yet this representative by the name of XXXX suggested that the 90-days late reporting was justified because " nobody could get in-touch with [ me. ] '' Regardless of the account being current at this time, the negative impact on my credit history is a present issue. Before it is asked, I had not made contact with MOHELA sooner because I had been planning my return to school.
Complaint sub-issue: Funds not received from closed account

I opened an online Citibank Accelerate Savings Account on XX/XX/2019. On XX/XX/2019, they sent a letter saying that they did not receive a requested information within 30 days so they have to close the account. With no warning, they locked my account so I could not withdraw my {$65000.00} deposit. In short, they " captured my funds. '' In that letter, they said they will issue a refund of within 10 business days. It is now XX/XX/2019 or more than 2 months after the letter was made and after numerous calls and complaints, they haven't returned my money yet. Each time I called, they would tell me that they would issue the check and send it by mail, which were all lies.
Complaint sub-issue: Debt is not yours

I do not have a signed contract nor any contract with Amerifinancial Solutions. I have never done business with this company. I am not liable for collection from this debt from Amerifinancial Solutions. I am not responsible for this debt with Amerifinancial Solutions. I demand request be in the form of a verified statement by a person with  original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this  matter to enforce my rights under the FCRA.
Complaint sub-issue: Personal information incorrect

On my credit report shows a bunch of names for me. I was told by each credit check company all names would be removed except XXXX XXXX & XXXX XXXX XXXX. Any other names like XXXX or XXXX or last name being spelled wrong was suppose to come off my file. I'm hoping to get all this fixed up on credit file. Thank you.
Complaint sub-issue: Information belongs to someone else

I received a notice that stated that I was currently in debt in the amount of {$380.00} for services that I did not consent nor consume in any way.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This an unknown company to my knowledge I have not given any permission to access my credit report. they have made multiple hard inquiries on my report without permission. I have disputed these items and have not received any type of response as to an resolution. I reached out to the company to have them remove inquiry, they supposedly did but it returned about 60 days later. I need help please.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is showing that I have a XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Phone : XXXX ( XXXX ) XXXX - XXXXThe mortgage does not belong to me, I never applied for it or never enjoyed it, furthermore, I was living at the time overseas. According to the report, the account was opened on XX/XX/XXXX. The original mortgage amount was for {$29000.00} and the remaining balance is for {$25000.00}. The mortgage amount is {$500.00} and has been paid ( struggling ) monthly by someone, but stopped payments altogether in XX/XX/XXXX. After I have tried before to calling to Equifax and XXXX to try to get the issue resolved but I have been unable and got as response that " after they investigation they concluded that the debt was mine ''. It was impossible to get it resolved. 

Recently I was able to pay a visit ( had to go in person ) to the address before described ( XXXX XXXX XXXX ) given that I was unable to get it resolved by phone or email and was promised that they were going to investigate the issue. A week later I got the following answer from XXXX XXXX XXXX : '' Thank you for contacting XXXX XXXX XXXX XXXX XXXX Department. Pursuant to your request, we have concluded he investigation, XXXX XXXX XXXX does not have your information on our records. Management recommends that you reach out directly to XXXX  and Equifax and process a dispute of the information they are reporting ''. 

I would like to have the wrong information deleted from my report as it does not belong to me and it creating a lot of stress and it is not allowing me to buy a car or a house with a decent score.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed this alleged student loan account. I've previously requested to see a copy of original documents with my signature for this loan. I didn't receive the documents in 30 days any of the three credit bureaus. As I further investigated all three credit reports. I noticed the creditor reported different account balances for this account. Innovis never provided me with original loan documents with my signature for any loans or source. Im still requesting same documents or remove loans. My next remedy would be to file a law suit.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Company would not offer refinancing unless credit was perfect or never missed payment. Any logical person would know If payments were affordable there would be no need to refinance. Also Variable interest lending to a XXXX year old student desperate to receive an education is just not right. It is almost predatory. I will accept the responsibility of being a uninformed borrower. But the simple fact I can send money and pay but never pay the loan down if i miss a $ 700+ payment is utterly ridiculous. Which means company will collect thousands of dollars and say I owe more. This ruining my life and the life of others. This preventing many people from being productive citizens.
Complaint sub-issue: Their investigation did not fix an error on your report

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 sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

I filed a complaint in XXXX about this company incorrectly reporting information about my account and my due date and amount due being inaccurate. The Claim number is XXXX. They still have not responded to the complaint and now they are reporting it erroneously on my credit report. They are showing the account 84 days past due when it is only due for the XX/XX/2021 payment.
Complaint sub-issue: Debt is not yours

GB Collects , LLC ( of XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ) continues to call me and send me letters concerning a debt I do not owe. They claim I owe XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) a sum of {$1.00}, XXXX premium for the month of XX/XX/XXXX. However, I terminated my policy on XX/XX/XXXX and I did not have any coverage with XXXX thereafter. I sent a copy of Form 1095-A (  Health Insurance Marketplace Statement ) to GB Collects , LLC in XX/XX/XXXX to prove to them that I did not owe XXXX any money. Even though GB Collects , LLC does not have any proof of my coverage with XXXX for the month of XX/XX/XXXX, they keep harassing me through phone calls and letters.
Complaint sub-issue: Public record

I have been persistent in stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. FCRA states that I have a right to KNOW who is the party that has provided this negative information. It is my understanding that this is against FCRA, FCBA and the Public Record Act. The Bankruptcy Court has confirmed that they did not verify as it was stated by the agency. The credit agencies have stated I can no longer challenge this negative entry which is against Consumer Debt Law. This discrepancy has prevented me in my personal life 's pursuit and I am asking the CFPB please advocate for me in this challenge.