Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee. I sent a certified signed affidavit to US bankruptcy court and asked if they shared and information with any of the three major crediting reporting agencies. They replied saying they did not give any information of my bankruptcy status to any of the three major credit bureaus and i attached a copy of that letter to another affidavit and sent one to each of the credit bureaus. I also did not express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my bankruptcy information from public records which is legal to obtain but they are not in compliance with the Fair Credit Reporting Act to report those findings on my credit report. I also received a letter from XXXX XXXX XXXX from the law office of XXXX XXXX XXXX XXXX stating that their client XXXX XXXX XXXX XXXX XXXX has ceased collection of the account and submitted a trade line deletion request. THIS MARK STILLS SHOWS ON MY CREDIT FILE IT HAS NOT BEEN REMOVE NOR HAS MY CREDIT SCORE BEEN UPDATED TO REFLECT THAT ITEMS REMOVAL. The law office of XXXX XXXX XXXX XXXX did send a letter to the three major credit bureaus to removed it from my credit file. The Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. This will be my last time filing a complaint with CFPB, I will be moving forward to a court of proper jurisdiction.
Complaint sub-issue: Debt is not yours

After running my credit report through XXXX  I noticed a discrepancy which showed a debt collection account for XXXX XXXX XXXX owing {$1500.00}. I immediately sent a letter to request validation of the debt as I was notifying the debt collection agency that this is not my debt and that I required proof. When they responded 30 days after first letter they provided a photo copy of an invoice billed in my name. To date they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Also the description of the procedure used to determine the accuracy and completeness of the information was hereby requested. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Progressive Management Systems the alleged amount.. I have not yet received a 2nd response, the 30 day time frame in which they must respond ends of XX/XX/2020.
Complaint sub-issue: Banking errors

Greetings, I opened a XXXX XXXX XXXX' checking & saving accounts with XXXX Bank on XX/XX/XXXX. At the time, XXXX was offering a {$250.00} bonus for opening & funding new XXXX XXXX XXXX XXXX XXXX  accounts, provided certian conditions were met. I met those conditions yet did not receive the {$250.00} bonus. I've contacted XXXX several times and have been advised that the matter is under investigation but never receive a cofirmation of the monies due. 

According to XXXX 's terms & conditions, in order to qualify for the {$250.00} bonus, one must receive ( 2 ) direct deposits of at least {$1000.00} within a 90 day period from account opening. I submitted deposits as follows : XX/XX/XXXX : {$1000.00} - XXXX XXXX | XXXX Distribution XX/XX/XXXX : {$1000.00} - XXXX XXXX XXXX XXXX Distribution As I've fulfilled the required as stated per XXXX 's terms & conditions, I respectfully request XXXX credit my account XXXX with the {$250.00} bonus I am due. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

PSLF employment certification being denied. Form gives option to submit XXXX as proof of employment, servicer is demanding supervisory signature. There is not a central HR office with the XXXX. For employment verification we use my workplace. In addition to XXXX, I submitted the employment verification letter and 10 years of XXXX employment records forms. They said it's not proof of employment.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XX/XX/2022 - XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # : XXXX - XXXX XXXX  Account # XXXX - US DEPT ED Account # XXXX 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 an account without my written instructions.
Complaint sub-issue: Problem during payment process

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX XXXX   with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Complaint sub-issue: Problem with fees

Macys charged a different Credit Card without my consent. 

I use the Macys Store card when purchasing items in store, and somehow Macys charged me for an alternate XXXX XXXX Credit Card, which I did NOT use or even activate yet. They charged this separate card with out my knowledge or consent. I didn't even have the card with me. 

Because I had No knowledge of this account being charged, I didn't pay the bill on time. I was charged late fees because I had no idea these charges existed on my account. 

when trying to settle this problem, I called Macys Customer support on XX/XX/2019 and after speaking with a representative they assured me that a bill to be sent with the total amount {$28.00}. 

Upon receiving the bill on XX/XX/2019 i was charged for several late fees. 
two fees for {$67.00} plus the balance of {$28.00} with a total of {$95.00} I believe this type of business is unfair, because Not only was I charged on a Credit Card that I gave no consent to use. But I was charged for late Fees on that same account because I had no idea these charges existed. 

I have to this report problem, because it is unjust. 

Thank you
Complaint sub-issue: Problem accessing account

I am unable to link my bank account to my XXXX account. I need to be able to securely and quickly send someone some money. I get this error : " PNC has made a change that prevents you from being able to link your accounts. ''
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The list of account 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  XXXX : XXXX, XXXX l XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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: Frequent or repeated calls

Company called repeatedly and then started contacting my family members saying I had a serious case about to be filed in court. I eventually spoke to them and agreed to give them payments using my debit card which was my silly mistake. I changed my banking information so they could not receive any more payments so they have started the harassing phone calls again.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is a victim of identity theft. The fraudster applied for credit with multiple companies using her personal information resulting in a number of fraud-initiated inquiries reporting to her various credit reports. While many of these inquiries have been removed from her XXXX  and XXXX files, Equifax seemingly refuses to remove the information in spite of multiple disputes sent against these FRAUDULENT inquiries. 

Fraudulent inquiries were initiated through XXXX XXXX Bank on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. We have submitted disputes against these inquiries to Equifax on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

However, Ms. XXXX 's Equifax credit history obtained on XX/XX/XXXX continues to report these frauduelnt inquiries.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act convergent account : XXXX XXXX XXXX XXXX - Inquired on XX/XX/2021 XXXX - Inquired on XX/XX/2021 XXXX XXXXXXXX - Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX inquired on XX/XX/2021 XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - inquired on XX/XX/2021 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 instruction.
Complaint sub-issue: Delay in processing application

This bank treats me horribke with my application first the verification process is so long I was approved for my macys XXXX account but they wont send me my card they refuse they cant even find an account in store. Or when I call them to request my card so frustrating and what do I do if no one can find my account how do I use it this is so unfair Im also XXXX and feel discriminated against.
Complaint sub-issue: Can't close your account

I activated my Citi Prestige card on XX/XX/2018. I tried to make a purchase the same day and it was declined due to fraud. Over the last few weeks, I have tried to call in to cancel my account. Unfortunately, Citi is unable to authenticate my identity due to change in phone number etc. I am being charged a hefty annual fee for a card I have never had the opportunity or ability to use. I called as recently as today, XX/XX/2018. I've spent multiple hours talking to these people trying to find a solution but I seem to be caught in a circle with no exit point. Customer service won't close my account because they can't authenticate me, so they transfer me to fraud. Fraud can't authenticate my account, so they simply say sorry. I ask to escalate the call, I'm told there are no exceptions. So, hoping CFPB can help me here. To authenticate my identity all the options they tried have failed, calling other credit card providers, checking relative phone numbers etc.
Complaint sub-issue: Information belongs to someone else

I have reviewed my credit report. I have come across information that I have discovered is not mine. 
This letter is a formal complaint that you are reporting incorrect credit information. I do not recognize these accounts and I do not know where they came from. Also, I do not have a contract with these companies. 
I am upset that you have included the below information in my credit profile. I prefer to immediately dispute and have investigated. I believe that I may be a victim of identity theft.
Complaint sub-issue: Old information reappears or never goes away

Equifax keeps deleting an account from my credit and adding it right back on causing my score to decrease. It happened on XX/XX/XXXX as well as XX/XX/XXXX. I am aware that this is not allowed and I have to be notified in writing 5 days prior to it be added back on.
Complaint sub-issue: Debt was paid

Contract # XXXX was entered into between us ( XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for a XXXX copy machine in XXXX of XXXX. The lease financing was done through US Bank XXXX XXXX in XXXX, MN. 

The lease expired in XXXX of XXXX. US Bank continued to send us monthly bills which our district manager approved and paid because he thought that it was a maintenance contract. 

We reached out to US Bank about cancelling this lease as it had expired. They said that the lease originator, XXXX, has to cancel the lease with them. We explained that XXXX was purchased by another company, XXXX, and XXXX told us that they have no desire to repossess or release the machine. XXXX also said that they have no active business relationship with US Bank and advised us to not remit payment to US Bank. 

US Bank 's customer service has put up a brickwall and does not engage us substantively in our efforts to resolve this. They seem confused as to who the lease originator actually is due to the merger of XXXX and XXXX. So they claim that they have no capability of contacting the lease originator or anyway to tell us who they believe has the authority to release us from the lease. We are absolutely certain that the legal entity that originated the lease has released us from it.
Complaint sub-issue: Debt is not yours

There is no way a cable company will allow anyone to watch {$600.00} + dollars worth of cable with it being disconnected. I do not owe them anything.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 I discovered that XXXX XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that Equifax and XXXX XXXX XXXX & Equifax remove this from my report immediately.
Complaint sub-issue: Information belongs to someone else

I don't know what to do. I am a victim of identity theft and I need help because my credit has really ben affected. I have been asking for help and my lawyer to me to submit a complaint with the FTC. I have completed the report and have attach my documents for proof of ID. I can't take this, my family and I are being deeply affectby the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018, I received notification that a collection item had been reported on my credit report through Equifax. I followed up with Equifax and was informed that a collection action was reported on to my credit file with Equifax. I filed a dispute and obtained information regarding the collection items such as the creditor ( XXXX XXXX ), the account number, and contact number. After filing the dispute, I proceeded to contact XXXX XXXX. After speaking with them, I was informed that they reported a collection action for a person who shares the same name as i do ( XXXX XXXX XXXX ) and the same numerical address ( XXXX ). We both live in the same city as well. We do not share the same birthday, phone numbers, emails , street name address, or SSN. After receiving this information from XXXX, I contact XXXX  again to inform them of the mix up. They said it would take 30 day to resolve any dispute. I informed them that this was a mistake that they are responsible for and it has caused my credit score to drop from an XXXX to a XXXX. They said they could not do anything about it and that all they could do was file the dispute, even after i informed them that all XXXX was trying to do was to report the collection account to the other person and XXXX made the mistake of adding it to my credit file. I asked if they could expedite the dispute as it was their mistake and they said no. This is the second time a mix up like this has happen and my credit score suffers. This is unacceptable on their part.
Complaint sub-issue: Account status incorrect

I am setup on auto payment for my auto loan. I changed my bank account around months ago, there's been no issues with my payments going through. One of the recent auto payments, XXXX changed the bank account back to my old account, which is not open. They did not contact me until the loan was already reported late on my credit. 

This is the second time I've filed a compliant, the first time, they lied and blamed me. I've never missed a payment and I want that reflected on my credit report. This was the Bank 's error.
Complaint sub-issue: Information is missing that should be on the report

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX the are reporting on all of the CRA 's that I was once late. I have never been late. Please have them provide solid proof or remove it from all 3.
Worst payment status 30-59 Days Late Times 30/60/90 days late
Complaint sub-issue: Account status incorrect

XXXX ( XXXX ) wrongfully reported my XXXX payment on Loan # XXXX as delinquent to the 3 credit bureaus, causing a significant drop in my credit score. The payment was issued by XXXX on XXXX XXXX ( check # XXXX ) and cashed by XXXX on XX/XX/2022 ). Despite me providing proof of payment to XXXX by Email on XX/XX/2022, XXXX PM EST, and several calls afterwards ( Case # XXXX ; Case # XXXX ), XXXX still decided to notify the Bureau in XXXX damaging my credit history and score for no reason.
Complaint sub-issue: Information belongs to someone else

Hi, My name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are effecting my credit score. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Attempted to collect wrong amount

I've been disputing this debt for years. The debt was nowhere near the amount reported. I desputed this amount with XXXX and they couldn't explain why the amount was inflated. The debt keeps getting bought by different agencies and none will actually look into amount owed and will not offer an explanation except that the amount is correct and continue to reject my disputes. The amount is more than double the original amount owed.
Complaint sub-issue: Problem with fees

On XX/XX/XXXX I noticed a {$50.00} debit to my XXXX XXXX   account, debited by US Bank. I found out that US Bank debited {$50.00} to cover two separate, identical {$25.00} membership fees that appeared on my XX/XX/XXXX US Bank statement. Im not sure why there are two identical membership fees in the same month, for the same year.

I have not used my US Bank card in recent memory, perhaps for the last couple of years. I no longer have possession of a US Bank credit card, although my account remains open.

As far as I can tell, I was not charged a membership fee in XX/XX/XXXX. I checked my online US Bank statements from XX/XX/XXXX, and no membership fees appear. Additionally, I performed a search of my XXXX XXXX  statements from the last 24 months, and no debits in the amount of {$25.00} or {$50.00} fees appear in my XXXX XXXX activity. My XXXX  account is linked to my US Bank account, and so if I had been charged a US Bank fee in XX/XX/XXXX, I presume that would have been debited from my XXXX account. Had I been told by US Bank that a US Bank membership fee would be instated in XX/XX/XXXX, I would have closed the US Bank account.

I called US Bank and was told the membership fee cant be waived, refunded, or credited. A supervisor there also told me that she does not know if or when I paid membership fees in the past. She seemed unfamiliar and unable to verify if this is a newly instated fee or if I was ever charged the fee in XX/XX/XXXX. When I asked to speak to a higher-up, she told me that is not possible.

I would like US Bank to refund {$50.00} in fees and then close my account immediately.
Complaint sub-issue: Reporting company used your report improperly

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I am consumer, alleged obligor, natural person and original creditor, as originator of consumer credit transaction lent Discover my accounts payable social security credit card number as cardholder and card issuer to accounts receivable secured consumer credit application and received access device Discover card. I as a natural person possessing an open-end credit plan was injured by Discover. 
Discover was directed to cease collection efforts and communication with third persons in honor of my right of privacy and confidentiality per 42 USC 408a ( 8 ). Discover took adverse action and closed my account without my consent unfairly. cardmember agreement specifies it is subject to governing law of federal regulation for which the right invoked was exercised in good faith. Discover despite forfeiting its right to collect for the adverse action take continues to deliberate report personal information to third persons without my consent. I have advise third persons that I revoke the right to report from Discover and for them to honor my right of privacy. XXXX XXXX  has complied. All others have sided with the furnisher regarding my consumer information alleging that the debt is verified in violation of 15 USC 1692b ( 2 ). Discover is now civilly liable to me.