Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/XXXX I submitted a complaint with this company due to previous disputes about a inaccurate dismissed bankruptcy reported on my credit report with XXXX XXXX and LexisNexis in the amount of {$0.00}, which dates disputed with XXXX were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XXXX were XX/XX/XXXX and LexisNexis. As of XX/XX/XXXXthe new law stated that all new judgements and liens will not go on credit reports unless they have identifiable information. Credit bureaus should begin to remove previous judgements and etc. that do not meet the new standards. XXXX XXXX and LexisNexis failed to remove the bankruptcy off of my credit report in a timely manner. XXXX advised that it were investigated and came back that the Arkansas bankruptcy court verified the information which is a violation of the fair credit reporting act. I never heard a response back from XXXX and LexisNexis never replied with their dispute. I have listed documentation from the US Bankruptcy court that they do not report information to credit bureaus. XXXX followed the new law and removed such items from my credit report immediately.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX contacted me about an invalidated debt and made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations XXXX XXXX XXXX has made in their attempt to collect this debt from me. 

I am fearful that XXXX XXXX XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX XXXX XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX XXXX XXXX, for multiple consumer rights violations. Pursuant to 15 USC 1692k.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX I spoke with a bank representative regarding the pay off of this account. I was advised that the pay off amount was {$320.00} ( see attached Business Checking statement ) and in the new year I paid the full amount via my business checking account XXXX XXXX XXXX on XX/XX/XXXX. 

In XX/XX/XXXX I reviewed my tri merged credit file via XXXX and found that XXXX XXXX XXXX is still reporting this account when payment was accepted.
Complaint sub-issue: Information belongs to someone else

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.Is it possible someone forged my name, or that you have confused me with someone else? if you receive documents with my signature, please compare them with my real signature because if you do you will see I did not sign anything related to these accounts.
Complaint sub-issue: Account status incorrect

This account is reporting on my consumer report and the amount has been settled. XXXX XXXX is reporting false information. Reporting inaccurate information is a violation to the Fair Credit Reporting under 15 USC 1681s-2 ( 1 ) ( A ) This item should be removed from my consumer report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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: Problem making or receiving payments

I last wrote about Bank of the West refusing to deposit a check for XXXX into my account to cover XXXX payment as I wrote XXXX XXXX and no instead of XXXX XXXX and XXXX and no. The response that XXXX was deposited 10 days later is a no duh, as I sent in ANOTHER CHECK. I also transferred XXXX to make certain the payment was covered, as they were delaying depositing the second check, forgetting another check I wrote and ended up paying XXXX in fees to my checking account, I finally got someone to update my address on both my XXXX loan AND my Savings. When I went to look up my 2018 interest on my XXXX, I could not access it because, in the typical incompetence with which BoW seeks to become the worst financial institution in history, 6 years of attempting to update my address had only finally resulting in changing the one. Finally I got someone who could also figure out how to update an address on the other as well. 

Meanwhile, I have now submitted a direct deposit x 2. With 2 different routing numbers given to me by BoW. Both have failed to be accepted by BoW. So, not only are the charging me XXXX a month because I do not have direct deposit, they are refusing to accept the direct deposit, and now as a direct result, I have missed a payment, unknown to me. 

I have now once again manually transferred the money over. 

How can a bank exist that can not manage simple functions such as accepting a check or a direct deposit or updating addresses? There is not a branch within 100 miles of me. But this should not matter. My checking account is in Texas. Know how many difficulties I have had with them one phone call or email does not solve? 0. ZERO. That is zero and no. none. 

I would like to request someone at BoW who actually is capable of setting up a direct deposit contact me and complete this transaction. I also feel BoW needs to reimburse me for fees that incurred as a direct result of their incompetence. 

I can sell that trailer for XXXX to XXXX XXXX. If BoW will work with me on the XXXX remaining, I will just get rid of it and sever all ties with this horrible company that has been nothing but one headache of incompetence after another for 6 years.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My virtual card number from Citi credit card was stolen and been used on fraudulent online purchase. The fraudulent purchase happened on XX/XX/2021 for the amount of {$95.00}. I filed dispute to Citi Cards on phone and told the CSR that it is fraudulent purchase. However Citi Cards still categorized the dispute as " Canceled service / goods '' instead of internet fraud. After reviewed the information provided by the merchant, Citi Cards made the decision that I am responsible for the fraudulent charge, even the information on the merchant receipt does match my personal information. 
In the process, I have never received any mail from Citi Cards regarding this dispute. I had to login to my online account to follow the dispute status. 
I should not be responsible for any internet fraud according to federal regulations. The practice of Citi Cards on this dispute is clearly against federal regulations.
Complaint sub-issue: Public record information inaccurate

I have asked for PROOF of " validation of a XXXX XXXX bankruptcy I keep being told that it has been verified, yet I have failed to receive any PROOF. My rights are being violated per 15 UCS 1681b -Permissible purpose of consumer reports it states " in accordance with thw written instruction of the consumer to whom it relates ''. I have never provided any type of written instructions with my WET signature for this to report. You are furnishing a consumer report without the consumers consent. You all are disclosing PRIVATE information such as name address, social security number, etc. This is violation of 42 USC Sec. 408 The ONLY " Bureau '' is the CFPB per 15USC 1602 Per law you " XXXX and Lexis Nexis '' is considered an AGENCY I have not given you permission to furnish nor report a bankruptcy violating my privacy. Per FCRA I have the right to have inaccurate, incomplete or unverifiable information deleted by a CRA. You all are putting me at risk for identity theft by displaying my PERSONAL info that I did NOT authorize with my WET signature. Again NO COURT in AMERICA reports this info to you. You STOLE it from a database that I didn't authorize you to report on my behalf, putting me at risk. These are only a few laws that have been violated. I will also be reporting this to the Attorney General, FTC, and the FCRA. I also have my evidence that I have tried on multiple occasions to rectify this problem with you. With them I will be stating EACH law that has been violated and seeking damages per each violation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I use the free XXXX XXXX account to monitor activity in my credit. A few months back my Equifax score dropped as a result of a new credit inquiry from XXXX XXXX XXXX services. I looked it up and found that it was from a XXXX, Tx. store or service. I live in XXXX, Texas which is approximately ten hours away from XXXX. I called the service but kept getting the run around from every person I spoke to. Defeated, I finally decided to contest it through the Equifax website. I was later notified by Equifax that the inquiry was true and would remain on my report. At no time have I ever been an XXXX XXXX XXXX customer in the past 15 years or so. My cell service is and has been with XXXX XXXX forever. The date of the inquiry into my credit is dated as XX/XX/2019. I did not request an inquiry into my credit by XXXX XXXX XXXX or any of its affiliates.
Complaint sub-issue: Reporting company used your report improperly

Accounts : XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX : unauthorized Inquiry,, XXXX XXXX : unauthorized inquiry,. 

Pursuant to 15 USC 6802 this is an official document to opt out the furnishing, publishing, and communication of all information regarding these accounts. Pursuant to 15 USC 1635 this is an official document to exercise my right of rescission, Nunc Pro Tunc for any contract, transaction, information, and my signatures associated with these accounts. Pursuant to 15 USC 1692c communication in connection with debt collection, this is an official cease and desist letter to stop all communication, furnishing, information and attempts at collecting for these fraudulent accounts. This is an official request and instruction to remove and delete all information regarding these accounts. I dispute under 15 USC 1692h all letters that these companies sent me have been abusive in some form or faction and these companies cant present evidence, whether they call themselves a creditor, third party debt collector or whatever, under federal rules of particular procedures 28 USC 3002 including 18 USC 8, if they're not a United States Attorney General or assisting the United States Attorney General, if they dont have litigation authority from a federal agency to collect a debt then this company is a private attorney. Cease and desist all communication and information regarding this account until they can present evidence of a contract to collect services in accordance with 31 USC 3718. Show me that they have established a contract with the treasury to collect debt, if not, then these companies are using abusive debt collection practices. Pursuant to 15 USC 1692g I submit that I no longer validate these alleged debts until they can show me evidence of the journal or ledger entries that shows that more debt exceeds the amount of credit gained on the account. I allege that these corporations have gained 9-10x the amount of debt established. If thats the case, then according to the Generally Accepted Accounting Principles I allege that I dont owe a debt and this information violates my consumer rights. These companies have been contacted and these companies information violates FDCPA and FCRA requirements. I am the original creditor. I am the consumer. 

Please Delete, Remove and Block All Information Regarding These Accounts Immediately. 

Under TITLE 1.81.5. CALIFORNIA CONSUMER PRIVACY ACT OF 2018 PLEASE DELETE ALL MY PERSONAL INFORMATION PURSUANT TO THE CCPA. 
RIGHT TO OPT-OUT OF SALE OR SHARING. 
PLEASE OPT OUT OF THE SALE OR SHARING OF MY PERSONAL INFORMATION. 
STOP SELLING AND SHARING MY PERSONAL INFORMATION.
Complaint sub-issue: Problem during payment process

Do to a financial hardship my family and I experienced, I had an overdue balance with Discover card. They were able to obtain a judgment against me in District Court.
I have been trying for months to find a possible settlement with them or to simply get an address where I could send payments and know that they were being documented.
I have gotten no response from Discover Card or their attorneys.
Complaint sub-issue: Debt is not yours

Continuance of prior complaint XXXX I went through 3 different collections agencies harassing me for this debt, each time disputing the validity and all they did was sell it to someone else. The last company finally sent it back to PNC and removed it from my credit report. I thought PNC had realized its error when the reference was removed from my credit report. I have never had a loan with PNC Bank and received no notification of any loan being sold to them, and all of my student loans remain with my original lender. PNC Bank ( XXXX XXXX ) sent me a letter on XX/XX/XXXX saying she was investigating and would revert via mail. That is the sole contact I had from PNC, even after filing a complaint here, with the PA XXXX XXXX XXXX and PA Attorney General. Then a week ago I received a letter from XXXX XXXX XXXX obo PNC Bank saying the loan at issue here had been cancelled and implicates my taxes. Today, I received a letter from the IRS. I am very upset and angry with PNC and that this is still going on, 2 years later from my complaints, which were already at my wits end from bullying and lack of any substantiation whatsoever from PNC that this debt is actually mine ( because it is NOT ). That started XX/XX/XXXX. It is impossible to respond to, at this point, the demonstrable bad faith and utter malfeasance of this enormous bank. I require your help, yet again from this horrible and unethical company.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX SXXXX 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 acount without my written instructions
Complaint sub-issue: Received bad information about my loan

I have submitted these requests for corrections to my credit reports, XXXX and Equifax , multiple times now and have yet to see any change. I have even spoken with the collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with DSNB BLOOM, XXXX, and DSNB MACYS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, DSNB BLOOM, XXXX, and DSNB MACYS with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Reinserted previously deleted info

I requested twice that this debt record be removed from my credit report on Equifax as it is 13 years old. The debt was originally from XXXX XXXX and now listed as XXXX. XXXX XXXX has removed the debt from my credit report. Equifax has not and keeps returning a response that the debt belongs to me and does not address the age of the listing on my credit report. I have spoken to Equifax by phone and made a written request. 
XXXX has never contacted me or sent a statement. The amount of debt listed is incorrect. Please assist me in getting this debt removed from my credit report.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I contacted this credit bureau to have inquiries removed that were not mine. There are a list of inquiries most of which are duplicated on my report. Please instruct the bureaus to remove these fraudulent inquiries as soon as possible.
Complaint sub-issue: Information belongs to someone else

I have submitted over 49 letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXX XXXXXXXX ) I would like have XXXX XXXX XXXXXXXX blocked and removed from my file i request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party This is account. This should not be reporting on my account. I have no knowledge of this. Please remove immediately. 

I have attached drivers license, Social Security, card, and proof of address
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair credit reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 usc 1681 section 602 ( A ). States I have the right to privacy.

15 usc 1681 section 604 ( A ) section 2, also states a Consumer Reporting Agency can not furnish an account without my written instructions
Complaint sub-issue: Public record information inaccurate

I, XXXX XXXX XXXX XXXX sent LEXISNEXIS certified mail receipt on XX/XX/2021 concerning the incorrect/ inaccurate information that is/was being reporting on my consumer report. I have received a letter dated XXXX XXXX from LEXISNEXIS concerning this matter with information that has remained on my report after my dispute. LEXISNEXIS has violated my privacy and reputation pursuant to FCRA ( 15 USC 1681 )
Complaint sub-issue: Personal information incorrect

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. And the multiple name spellings.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I have a XXXX account that was paid in full and it shows negative as well. 
XXXX bill And multiple ( 10 ) name spelling addresses XXXX XXXX  XXXX  XXXX, XXXX, ny XXXX XXXX XXXX XXXX XXXX XXXX, nj
Complaint sub-issue: Information belongs to someone else

On XXXX I sent Disputes for those accounts I found on my credit report inaccurate and unknown. over 30 Days today since I've sent those disputes but I haven't received a response. I was a victim of an Equifax Data Breach. I demand to Delete those accounts or I will file litigation.
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXn i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Complaint sub-issue: Public record information inaccurate

I first contacted Equifax on XX/XX/XXXX about my account showing a bankruptcy with the verifying contact being the U.S. Bankruptcy Court of XXXX. I then wrote to the Courts to verify this information and they sent me a letter saying that " WE DO NOT REPORT TO THE CREDIT BUREAUS ABOUT ANY INFORMATION FOR CONSUMERS ''. Equifax responded by saying they now confirmed the information with a 3rd party company names XXXX. 

I wrote to that company on XX/XX/XXXX and received a letter from them saying it was reported incorrectly and will be removing it from their records.

on XX/XX/XXXX I then wrote back to the XXXX people with information from the courts and not reporting that information to them as well as the NEW Information I Received from XXXX about taking the bankruptcy off of their records. 

For good measure, I then wrote to Equifax once more with all INFORMATION FROM THE BANKRUPTCY COURTS AS WELL AS THE XXXX XXXX ON XX/XX/XXXX. to which I am having as a response once again from Equifax saying they VERIFIED THE INFORMATION TO BE CORRECT FROM XXXX I ASK YOU HOW CAN THAT BE AS THERE IS NO SUCH INFORMATION FROM XXXX XXXX. 

XXXX XXXX XXXX
Complaint sub-issue: Keep getting calls about my loan

ECMC and/or PCR have been calling friends and acquaintances seeking information about me. Yesterday, they called a former girlfriend of my brother 's seeking information about me. This is an invasion of my privacy and is harassment, especially when they have my current address and know that I am retired.
Complaint sub-issue: Debt was result of identity theft

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against JEFFERSON CAPITAL SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.