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

XXXX XXXX XXXX MY CONCERNS WERE IGNORED Date opened XX/XX/XXXX Balance Paid in full Status Transferred, closed. 
DELETE PAYMENTS SHOWN AS LATE XXXX XXXX XXXX XXXX  REPORTING INCORRECT DATES Date opened XX/XX/XXXX Balance o paid in full and written off by creditor multiple years in arrow then sold the debt to it self and other creditor Status Transferred, closed DELETE PAYMENTS SHOWN AS LATE XXXX XXXX XXXX XXXX  Reporting incorrect information Date opened XX/XX/XXXX Balance {$24000.00} is incorrect Status Open. Balloon payment of {$3100.00} due XX/XX/XXXX DELETE PAYMENTS SHOWN AS LATE XXXX No contract with creditor. Creditor has fail to provide signature contract with original debtor Date opened XX/XX/XXXX is incorrect Balance {$4500.00} incorrect Status Collection account. {$4500.00} past due as of XXXX XXXX. Incorrect. 
Verify account or delete from my record. 
Creditor has written debt off multiple years in a row since XXXX. XXXX opens closes account without written notifications. 

XXXX XXXX contract with creditor. Creditor has fail to provide signature contract with original debtor. 
Date opened XX/XX/XXXX is incorrect Balance {$3000.00} is incorrect Status is incorrect.

Collection account. {$3000.00} past due as of XXXX XXXX. This reporting is illegal and it is infringing on my consumer privacy laws. 
Verify account or delete from my record. 
Creditor has written debt off multiple years in a row since XXXX. XXXX opens closes account without written notifications.
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 {$2100.00}, {$7700.00}, {$2800.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

3. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my rights. 

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

15 USC 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 reportingagency 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 reportingagency if the person knows or has reasonable cause to believe that the information is inaccurate.

accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my rights. 

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

15 USC 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 reportingagency 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 reportingagency if the person knows or has reasonable cause to believe that the information is inaccurate.

accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 

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

15 USC 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 reportingagency 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 reportingagency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I am victim of identity theft and fraud. I have notified alleged creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.
Complaint sub-issue: Overdrafts and overdraft fees

I was over drafted  XXXX  dollars, the morning for unknown transactions. I had used   XXXX   XXXX   the day before to put some money into my account because I just got back from vacation and I do n't get paid until early Friday mornin g pnc  has jacked me around for a long time now with the pending transactions I need this app to work so I can have a stable balance in my account
Complaint sub-issue: Public record information inaccurate

( XXXX ) XXXX  XXXX bankruptcy dated XX/XX/2019 and XX/XX/2019 are reporting on my credit report and should not. I asked the bankruptcy court to withdraw these after speaking with an attorney. This credit bureau has neglected to properly investigate these items and refuse to remove these inaccurate public records that is tarnishing my credit report. I am including information that shows these public records were terminated/vacated AFTER being dismissed, therefore should not be reporting on my credit report.
Complaint sub-issue: Account status incorrect

All these accounts are closed and should have not negatively impact my credit score. My credit went Down XXXX points because of this negligence I need someone to personally email or fix this issues on my credit score because this is wrong on all parts. My credit was at XXXX then went down to XXXX Im very upset please fix this error
Complaint sub-issue: Account information incorrect

Equifax and XXXX are reporting fraudulently on my report. The scores they provide are 80 points lower than my XXXX report. I have opened credit accounts in the past few months to boost my scores, but from what I see XXXX and equifax are reporting in favor of ensuring that my scores are enabling financial institutions to charge a higher interest rate, even though I pay every balance before I can be charged interest. This is what I consider as fraudulent reporting to allow banks to charge higher rates, even though my payment history is pristine. 

These agencies must be held accountable. I expect the CFPB to do so.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not give permissible authorization for this company to check my credit report.
Complaint sub-issue: Funds not handled or disbursed as instructed

This is in relation to a previous complaint regarding a payable upon death document on my fathers checking and savings accounts with Key Bank in XXXX Maine. As the personal representative of my dads estate I went into the bank on Friday XX/XX/XXXX to receive my portion of my dads account. I was told by the bank representative XXXX XXXX that I was not listed as a beneficiary, that my sister is the sole beneficiary. In a previous response to a complaint that I filed with you a representative from the banks presidents office acknowledged that my sister and I are both designated on the payable upon death document. See complaint # XXXX. The response went further and stated I would need to go into the bank to sign a form and I would be issued a check for half the money in each account. The bank has yet to produce the payable upon death document for me to see. And now the bank refuses to give me my half of the money.
Complaint sub-issue: Information belongs to someone else

here are a list of accounts either closed or collections but I never gave consent nor have I ever signed for any of these accounts 1. XXXX XXXX XXXX {$0.00} XX/XX/XXXX 2. ( DSNB/ MACYS ) DEPARTMENT STORES NATIONAL BANK/MACYS {$0.00} XX/XX/XXXX 3.XXXX {$1500.00} XX/XX/XXXX 4 XXXX XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX {$0.00} XX/XX/XXXX
Complaint sub-issue: Information is not mine

This company is requesting payment for accounts that I do not owe on. {$500.00} from CREDIT MANAGEMENT.. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. ... only know of this account based on it being reported in my credit report ( s ). I 've never heard of this company and DO NOT owe a Balance of {$59.00} to XXXX! We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX AND XXXX XXXX in their respective state and both of these companies if this is not resolved NOW! EQUIFAX and These CRAs should be banned from doing business and ruining peoples lives without verifying information 1st! 
I 've ALWAYS had this type of trouble before with EQUIFAX. From fraudulent inquiries on my report, which they will not remove to situations like this. I file complaints over and over and will keep doing it! 
My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with Equifax! 
I have submitted as well an official SS card and pay stub, XXXX with my correct address and these numbskulls still will not update my address. 
ALL references regarding this account must be deleted from ALL reporting agencies. 

-- Thank you, XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

There is a charged off account reporting on my XXXX Credit file that is not mine..i requested written verification and written validation that the account was mine and i have yet to receive it ... They have not proved that the amounts nor the dates on this account are correct. The account in question is from XXXX XXXX XXXX XXXX XXXX and should be removed from my account immediately
Complaint sub-issue: Their investigation did not fix an error on your report

Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I have reached out to the courthouse where the alleged bankruptcy was filed and they have assured me that they do not furnish this information.
Complaint sub-issue: Information belongs to someone else

Hello, This is in response to complaint XXXX against Equifax who is currently reporting an inquiry for XXXX XXXX on my credit report which is not accurate. Please see the attached letter from XXXX XXXX confirming that it is not accurate and please have the inquiry removed from my credit immediately. Equifax should also do a better job of investigating and protecting consumers. I am certain if they actually contacted XXXX XXXX and followed the appropriate channels they would be aware that this is fraudulent. 

Thank you,
Complaint sub-issue: Trouble getting, activating, or registering a card

Had fraudulent charges. Company reversed them and sent me new card as well as letter saying they had made mistake. Asked me to send in documents and photos which I did numerous times. Promised call back in 5 days on 3 seperate occasions. I have XXXX in that account and today was told I was out of luck and would not be able to access it at all
Complaint sub-issue: Didn't receive notice of right to dispute

I was denied an employment opportunity due to an item listed as in collections in the amount of {$3900.00} as reported to the credit bureaus for XXXX XXXX XXXX. They have refused to enter of offer me the opportunity to arrange into a payment plan.
Complaint sub-issue: Information belongs to someone else

I tried reaching out to this Bureau several times about accounts that do not belong to me and are reporting on my credit! This information is fraudulent and i want it investigated and removed immediately off my credit report!
Complaint sub-issue: Account status incorrect

XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX accounts showing on my credit report were all placed in bankruptcy XXXXchapter 0n XX/XX/2018 and I was authorized user not. They should not be show on my credit report as still open and delinquent. Are Affecting my credit Score
Complaint sub-issue: Information belongs to someone else

account I am not responsible for being reported on my XXXX credit report by plaza services. Not mine and claimed original creditor XXXX can not even legally lend online in virginia.
Complaint sub-issue: Their investigation did not fix an error on your report

This was to be removed from credit file due to the case being dismissed also courts has confirmed this should be removed.I even called on 3 way with the Bankruptcy courts on the line this should be deleted from credit public records file. <P/>Reference Number XXXX Date Filed Reported on XXXX XXXX, 2014 Classification Bankruptcy
Complaint sub-issue: Problem during payment process

THIS IS A COPY OF THE COMPLAINT I FILED WITH ELAN FINANCIAL SERVICES : This is a complaint : I first began using my card in XXXX I set up autopay to pay off my card for the first time onXX/XX/2020 for the balance due THE COMPLAINT : Fidelity user interface is OPAQUE! I had no idea there was a past balance due because the Fidelity user interface does not provide enough statement information, such as prior balance. It just shows the balance. 
I unknowingly believed I was paying the full amount on time. 
I received a past due amount notice and I called Elan Financial services three times to resolve problems. 1. Confirmed I would not be charged a late fee and confirmed my credit report would not be listed as paid late. 2. I immediately canceled the scheduled payment and entered a pay today payment XX/XX/20 for the full amount. 3. subsequently, my credit card was frozen, unbeknownst to me, and a bill I wanted to pay was rejected after I cleared up the payment problem with Elan Financial Services . 
The Fidelity User interface is extremely poor. So bad, that in fact I'm considering canceling this account completely. Elan Customer Service is good ; Fidelity Credit Card User interface is user unfriendly and lacks transparency that I thought was required by law on credit card billing web interface. No other solution than " this needs to be changed '' is acceptable. 

The Fidelity user interface MUST clearly show past amount due, or late balance. 

I will be filing an online complaint with the Consumer Financial Protection Bureau regarding this matter. 

You may contact me directly at XXXX for further consideration regarding this complaint. 

Sincerely, XXXX XXXX
Complaint sub-issue: Other problem

On downloading the entire transaction history for my CITIBANK credit card, XXXX, from the CITIBANK website, it was found that I have overpaid by {$3200.00}. 

The account transaction downloaded spreadsheet shows that my total debits were {$61000.00}. 

The account transaction downloaded spreadsheet shows that my total credits were {$64000.00}, equalling an overpayment of {$2600.00} as of XX/XX/20.. 

On XX/XX/20, CITIBANK took another {$590.00} in AutoPay toward the card account from my checking account. 

With the latest AutoPayment, I have overpaid this card account by {$3200.00}. 

I sent a letter and the printout of the downloaded account spreadsheet to CITIBANK Office of the President by Certified Mail and have received the green receipt confirming delivery.
Complaint sub-issue: Investigation took too long

I would like for Equifax to contact XXXX the original credit card company who gave me a card back in XX/XX/XXXX, my first delinquency on this account was XX/XX/XXXX. The account was sold to XXXX debt equity on XX/XX/XXXX. Continuous disputes with XXXX to see my XX/XX/XXXX first delinquency dates have gone unanswered. I e contact XXXX numerous of times about inadequate information in my credit report. I 'm holding Equifax accountable for their lack of verification of my first delinquency date in XX/XX/XXXX. Verification : is sworn testimony. Third party is insufficient '' XXXX. First hand knowledge. First someone verifies but do n't have first hand knowledge then it 's not verification, it Hearsay. And hearsay is inadmissible and the court says its incompetent. FCRA 603 ( 0 ) ( 5 ) ( A ) ( I.iii ). I want to know Tge person name Equifax verified the dispute with and documentation used to verify the dispute. According to the FCRA, the reporting agencies are required to forward the disputed information to the furnished of the account ( original creditor ). XXXX, but the credit reporting agencies only forward the two digit code according to their automated E-Oscar sustem ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I want this tradeline deleted or I would like to sue sue Equifax for non-willful compliance of the FCRA. The item is scheduled to come off in XX/XX/XXXX with Equifax, I want this item off today.
Complaint sub-issue: Information is not mine

Please help me, I have disputed previously a couple things with Equifax , provided them my ID 's so they can process, legal name which should be the ONLY one listed is XXXX XXXX XXXX. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.
Complaint sub-issue: Information belongs to someone else

Hi, I recently found out that XXXX  XXXX XXXX XXXX , XXXX had done a hard query on my Equifax credit on XX/XX/2018. 

I never used XXXX XXXX XXXX neither do I apply for any XXXX XXXX XXXX service. I'm wondering if this is a sign of identity theft. I'm wondering if somebody else used my SSN and apply for XXXX XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

Upon looking at my credit to monitor it. I realised so many different inaccurate items I'd like resolved. In the forms of 9 hard inquiries that are unknown to me and frankly disturbing. I called equifax but they. Never responded 2nd attempt tgru cfpb. 
XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 AND XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries are unauthorized and without permissible purpose. Please send proof of reinvestigation methods used and wet ink signature ti substatiate my consent. I know what a inquiry is please di not insult and send a generic answer. The FCRA Said all items on credit report must be accurate. None of the inquiries have account # address phone number of furnisher attached which is required per the FCRA. Thats not complete and accurate therefore they must be removed. I do not know who to contact and i should have those information by law. FDCPA youre in violations of my privacy act also. Equifax has vowed to be a accurate data furnisher, the data on my crdedit is not accurate or authorised. This is hindering my life. Fcra allows {$1000.00} per violations. Please govern yourself. You have 30 days to respond with a copy of updated report reflecting these changes.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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: Deposits and withdrawals

On the XXXX of XXXX I went to a pnc branch located at XXXX XXXX XXXX XXXX XXXX ga XXXX the atm ask me for a receipt and I said yes so I press deposit then after I deposited my money of {$1600.00} it was counting my money then the atm said error has occurred please contact financial institution so I enter my card again and checked my transaction and my money was not there so I called pnc they said its go take about 10 business days a couple days later they told my claim has been denied because the amount. Of money in the atm so i was thinking because on XXXX it says XXXX has been having alot of fraudulent checks going around and goin to pnc so that was a lie they told me and I contacted that branch I went to and ask have a technician came out to check the atm and I was told no so they lying to me about my money and they dont wan na give my money back.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I've made several attempts to dispute fraudulent credit cards that have posted to my credit file. In which nothing has happen. Please help me to dispute the accounts that should not be posted to my credit as Covid has taken so much from me and my family. I've also attempted disputing with XXXX, XXXX, XXXX. In which I received no response.