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

This Bankruptcy account is NOT IN COMPLIANT with the consumer laws, and its reporting incomplete, misleading, inconsistent and erroneous information and therefore it CAN NOT be verified. 

Here is some of the reasons that it shouldnt be reported and de DELETED from my credit report effective ASAP : Addtl see the screenshot errors below! 

Bankruptcy filing date is wrong. DELETE!!!! 
There are 3 different filing dates. DELETE!!!!

Court name is not accurate each bureau must report the actual name of the court, followed by ( city, state ). DELETE!!!! Remove immediately. 
I asked the court if they verify records with the credit bureaus and they stated they do NOT, so how did you legally verify this. DELETE!!!! 
Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? DELETE!!!! 
I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed. DELETE!!!! 
You have the wrong docket number.
Complaint sub-issue: Not given enough info to verify debt

In XXXX I found an unfamiliar XXXX Wireless account on my credit file, I contacted XXXX to discuss in further details but they stated by law they can no longer can discuss the account because it was sold. I contacted the company it was sold to - Jefferson Capital System - the company the debt was sold to and they forwarded me XXXX. On XXXX/XXXX/2015 I spoke with a rep from that collection agency ( working on behalf of Jefferson Capital System ). I 'm not sure what XXXX is charging me for. I had a phone with them but returned it in three days after signing up because I realized that I could not afford it. First XXXX XXXX XXXX said they have no details about this account. Jefferson Capital System did n't provide details but they are only responsible to collect payments. XXXX said they have no details and Jefferson Capital System directed me back XXXX. If no one can provide me details about this account and the charges, why am I responsible to make a payment? This is unfair and does n't make any sense to me.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security Number, Address, Birthdate, etc. resulting in a data breach in XXXX-XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put me at risk of identity theft and fraud due to negligence in handling sensitive consumer information.
Complaint sub-issue: Can't close your account

XXXX XXXX XXXX is reporting high incorrect balance, they are refusing to allow me to close my account, even though I have paid them in full. They are adding more fees and keeping my account open even though I paid them in full. They are breaking the law and affecting my credit report and reporting false information to keep my account open. I do not owe them money period. I paid these accounts off in good standing.
Complaint sub-issue: Reporting company used your report improperly

In XXXX i allowed EQUIFAX XXXX to do an employee Screening for a Job that i had started At XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX . 
The next season which was the same year of the databreach in XXXX i was not hired because i didnt pass the screening. I was never even able ti View my W-2 or Paystubbs or anything.

Until This Day i have Been unable to recieve a real CREDIT REPORT OR EVEN A FREEZE BC I AM DENIED ACCESS. THE CREDIT REPORT I FINALLY RECENTLY RECIEVED AFTER 5 YEARS AND IDENTITY THEFT DID NOT LOOK AUTHENTIC AND WAS COMPLETELY EMPTY. MY HIRING PROCESS WAS THROUGH THEM SO HOW WOULD MY REPORT BE COMPLETELY EMPTY?
Complaint sub-issue: Account information incorrect

I was astonished when I looked at my XXXX, XXXX  and XXXX XXXX reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Complaint sub-issue: Frequent or repeated calls

A company by name of XXXX  repeatedly kept calling me, and some family members leaving messages with them about trying to locate me. 
And that a claim was in process of being filed in county I live in. 
I did call this number back and they seemed to know a debt that I owe but was asking me for personal information to get into file. 
I feel XXXX because I did give them some then They were going over payment arrangements that if I could have afforded debt would have been paid to begin with. 
The more I thought about it it didn't seem right so I asked for companys full name address and a written statement and they said they don't provide that information and they would send out a notice thru county to locate me.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I previously had not been able to get into and finally today I see where with citi did I misunderstood that it had been closed with the dispute? I am still in process of receiving this previous statement of owing {$190.00}. XXXX for a purchase on XX/XX/20 ( {$98.00} XXXX and XX/XX/20 ( {$98.00} XXXX totaling the {$190.00}. Would this company not acknowledge since I am disputing charges and had stated repeatedly that no purchases would I make again until I had a XXXX balance of them correcting charges that was done WITHOUT MY PERMISSION. I received this bill on XX/XX/20. They had me sign a sheet stating that the account would be closed to protect it from further fraudulent activity on XX/XX/20 but yet another charge was on the XXXX?. Not one charge is being disputed but 9 at the moment. Excuse me 10 because yesterday I received yet another package in mailbox, I left it in box, wrote refused as I have done with all the others and mailman picked it up today. So please advise Citi to do as they stated they would!!!! I have only received two letters stating dispute has been opened one for {$100.00} and the other {$98.00} ... ... I need confirmation of all thru mail, please. I am looking forward to having a XXXX balance and closing this card permanently. This started in XXXX and its now XXXX ... ..I am indebted to your Bureau for helping me. This has been a struggle for them to get involved when I am a customer that usually pays the entire bill for each statement unless I have a balance transfer. I am never late and I only want HONESTY!!!! I am so ready to close this folder of all my letters to them unanswered until YOU ... ... I thank you!!!! Have a great weekend!!! Thanks again so very very much!!!! XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

First I closed my checking and savings account with Citibank in XX/XX/2021 due to Citibank false promise to me. When i closed, both accounts had positive balance. Citi issued me a check for the balance. Then a couple of weeks later, Citi decided to reverse all the disputes in the past and created a negative balance on my account. Each week, they added {$300.00} in negative balance. After a month, I suddenly owe Citi more than {$1000.00} in debt. They called every morning including weekend at XXXX asking me to pay or they would report my account to credit monitoring agencies. They should have not let me close the account if they thought I still owed them money. Otherwise, if they issued me a refund on my account, why suddenly changed their mind and reverse past dispute transactions that occurred 6 months ago. This is a tactic to try to rip off customers ' money when Citi knew they could not maintain a banking relationship due to their false promises.
Complaint sub-issue: Investigation took more than 30 days

Requested Method of verification from original creditor and credit reporting agencies. They failed to send back documentation within 30 days. The only thing I received was letters from creditors and all three bureaus saying the debt was verified. These are not accurate accounts and need to be deleted from my credit files as they are being reported inaccurately and violate the FCRA as well as my consumer rights due to defamation. I also sent documentation to support I was a victim of ID theft and was a part of several data breaches and hacks exposing my social and personal info that was used by an unauthorized person to open accounts in my name an FTC report was filed recently to verify this info.
Complaint sub-issue: Problem with fees charged

I have leased a vehicle in good faith from XXXX using XXXX XXXX XXXX. 

In XX/XX/2017 I acquired financial difficulties. In order to resolve those, I am working on reducing the cost of vehicle leasing. 

When I attempted to make the changes to my XXXX lease, I encountered unfair, deceptive, or abusive acts or practices on behalf of the XXXX XXXX : I can not obtain a transparent PAYOFF amount for my lease, like I have with my XXXX, whereas I log on to the website sign in to my account, and see it openly. 

With XXXX, I cant access that information on my secure XXXX Account, where I make payments etc. There is a statement that claims I have to go to the dealership to obtain the payoff. Instead I called, and got an outrageous number by which the original price of the vehicle would be ten to fifteen thousand dollars above the actual price. So I requested in writing an explanation from XXXX XXXX. They responded to my letter with a phone call, stating that in the State of Florida they can not disclose .... blah blah blah ... That is totally illogical, as I am the one in debt, and need to know my numbers. 

I am fighting XXXX for over two weeks, with calls and letters that get me nowhere.

Also, as I attempted to transfer my lease with one of the online companies, I learned that XXXX does not allow me to transfer in the last 12 months, ( I have 11 remaining ) which makes it brutal. 

So : I can not sell my vehicle to XXXX or XXXX since the " Payoff '' I received is illogical ( shy of {$36000.00} while the XXXX XXXX  value is in the {$29000.00} 's ) and seems arbitrary but no explanation of how XXXX reaches that number, while in an advertisement, XXXX offers me to take off all of the upside down number with discounts and bonuses, if I can get " hooked '' on another VWXXXX product. 

I am being subject of non transparent, abusive and unfair practices and wish to raise my voice.
Complaint sub-issue: Information belongs to someone else

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent in a letter regarding some inaccurate accounts on my credit report and I have yet to get a response from the credit Bureau Equifax regarding this matter which further lets me know that they couldn't complete an investigation and under the rules of the FCRA that warrants immediate deletion. Please help me in resolving this matter thank you.
Complaint sub-issue: Funds not received from closed account

My mother XXXX XXXX passed away XX/XX/XXXX. I have a court order which gave me permission to collect the funds in her account. I had previously contacted the bank to let them know, while XXXX XXXX XXXX XXXX XXXX XXXX  someone hacked into her XXXX XXXX and stole over {$1000.00}. I also contacted the police. The bank stated, due to me not being on her account there was nothing they could do. 
I went into the PNC Branch on XXXX XXXX ( XXXX ) on XX/XX/XXXX. I provided the court order, my identification, and XXXX XXXX XXXX XXXX. I was told I would hear back from them on XXXX I called back that XXXX and was told, the representative who took my information was on vacation and theyre not sure what happened. 
I called back on XX/XX/XXXX and was told there was no update. The representative called me back, later that day and stated a letter had been mailed ; for me to send to probate. As of yet, no letter has arrived.
Complaint sub-issue: Investigation took more than 30 days

I am submitting this complaint against Equifax for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me XXXX XXXX XXXX XXXX I need EQUIFAX to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

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

I have a hard inquiry on my XXXX credit report from XXXX XXXX XXXX XXXX XXXX when I never got any financing from them. It's hurting my credit dramatically. 

In accordance with the fair credit reporting act 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.
Complaint sub-issue: Billing dispute

Hello, my name is XXXX XXXX XXXX XXXX My mother is XXXX XXXX XXXX XXXX Case number : XXXX to assist further to show more details involved on XXXX/XXXX/2015 XXXX and currently of the depth my families IDENTITY THEFT CASE really is. At the time of my mothers unfortunate illegal arrest beginning on the night still in question, Wednesday, XXXX XXXX, XXXX, did not tend to care for anything else but myself, and my XXXX sisters. We missed our mom too much, time flew quickly. No one in our immediate family grew curious of the state our finances were in at that moment until while bills began to get paid for the following month which was XXXX, 2015 starting on XXXX/XXXX/2015 possibly around that time frame only because I understand to pay the rent by or before the XXXX, MY BANK ACCOUNT - CHECKING ANS SAVINGS I had both active and opened for my own personal needs to use with what ever my mother puts in the account for me. I ask for permission before I attempt to use/swipe debit card to purchase anything, only if my mom approves. While my mom was in jail, a woman named XXXX XXXX XXXX, was staying at our residence during the absence of my mother, XXXX XXXX. Not I or my mother gave any type of 'ok ' to use our personal and family funding. She was living their and was supposed to be a live-in Assistance due to my moms XXXX through XXXX XXXX XXXX XXXX an XXXX certified XXXX Employee. Breaking laws of many. Continuing to apply for Loans on-line willing to direct deposit, used my, XXXX XXXX 's banking information for collection of payment. After money deposits were in my Teen-Minor account, XXXX XXXX XXXX, Willingly and unlawfully committed IDENTITY THEFT to me as well as my mother. I was forced to close the checking and savings account shortly after. But it was too late for me and my family because of so much damage she has done and continue to create different types of accounts use our personal and private information for her personal gain. Help us Please with this investigation. My mom and sisters have been under so much stress since the date mentioned. Please call my personal phone : XXXX XXXX XXXX XXXX. I have much to provide to this department to further assist in stopping XXXX XXXX XXXX in IDENTITY THEFT.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I file a dispute to the incorrect information on my credit report.
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my identity has been stolen because some one had already filed under my social security number. I called IRS and to figure out what needed to be done. I then pulled my credit report to see what all has been opened under my name if there was any. There was an outrageous amount of items that I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$2900.00} XXXX XXXX XXXX {$680.00}
Complaint sub-issue: Investigation took more than 30 days

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Complaint sub-issue: Debt is not yours

XXXX has sent a falsified debt to I.C System, in which I do not have a balance with the company. XXXX has and continues to utilize predatory pricing among minority populations. XX/XX/XXXX has continued these illegal practices in their billing schemes, and the credit reflected on my credit report is not factual. I am seeking a written apology from the corporation and removal of this un-owed debt from all three credit bureaus, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

On several occasions, since XXXX XXXX XXXX I have contacted Equifax regarding a debt listed on my credit report in error. XXXX XXXX is reporting derogatory information on my credit file and Equifax is allowing them to, illegally. I do not, nor have a ever had an account with this company and I do not owe the creditor that they claim is the originator. I have asked Equifax multiple times, in writing, to have the company show verifiable proof by way of a dated, signed contract and the company has NOT been able to produce such items because this debt is FALSE information. XXXX refuses to remove the information and have NOT properly investigated the situation because they would KNOW that this debt is NOT VALID.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX on XX/XX/XXXX 2. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Complaint sub-issue: Received bad information about your loan

I have about {$290000.00} of student loans being serviced by Great Lakes Borrower services. Out of that {$290000.00} about {$18000.00} is accrued interest that was present before the coronavirus pandemic. The servicer is putting all accounts into an administrative forbearance in order to comply with the recently passed CARES act. 

I would like to know if the {$18000.00} of accrued interest will capitalize and be added to the principal at the end of the forbearance on XX/XX/2020. The only response that I received from them is the following : " interest MAY capitalize based on the following situations ''. It then goes on to list circumstances under which interest normally capitalizes. 

In this context, the word " may '' means absolutely nothing. I am looking for a simple YES or NO answer to a simple question. For your convenience I will ask the question again. 
Assuming I make no payments during the covid 19 forbearance, will the {$18000.00} of previously accrued interest be added to the principal balance at the end of the forbearance? 


I've been dealing with trying to get a straight answer for over a month now and am stuck with generic copy and paste replies. 

Please help.
Complaint sub-issue: Reporting company used your report improperly

im writing this complaint in regards of ongoing dispute between the bureaus. their elaborate mechanism to compromise my reputation is working!! I have been away from my family due to these accounts reporting on my credit without the consent to report and that is violation of the fair credit reporting act, as well as the truth in lending act. these corporations are taking a disadvantage of me. I refuse to wait another 30 days please help me resolve this matter.
Complaint sub-issue: Information belongs to someone else

There are accounts listed that aren't mine. Please have them removed.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : Charge Off : XXXX-Balance {$1400.00} XXXX XXXX XXXX-Balance {$700.00} XXXX XXXX-Balance {$2000.00} XXXX XXXXBalance {$0.00} XXXX XXXX  XXXXBalance {$400.00} XXXX-Balance {$2500.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Checked my credit report to find  XXXX  also listed as  XXXX   XXXX , tire dealers listed as a hard inquire on my report.  XXXX   XXXX  has  XXXX  location in the United States.  XXXX  is in  XXXX , ME. I live in the Midwest and have never been to Maine. I do not conduct business with tire dealerships, I pay cash for tires and would not open a credit account to purchase tires and if I did it would not be in  XXXX , ME