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

Equifax ; XXXX and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX - partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Complaint sub-issue: Problem getting your free annual credit report

This is the second complaint I've had to file just with the CFPB. 
I have faxed and mailed Equifax numerous times over the past year and I still do not have access to manage my credit freeze or view my annual credit report. In fact I haven't gotten a credit report from Equifax in several years since this has begun. Everytime I call them to fix this I'm told the same thing. Resubmit the requested paperwork and it will be fixed. They " assure '' me of this everytime. 
The last request I mailed them my W2 with my name, employer, home address and SS # and I still do not have access.
Complaint sub-issue: Problem using a debit or ATM card

from (? ) 2019 ( possibly earlier? ) through XXXX there have been several unauthorized transactions on my direct express card. somehow the money was taken through local atm withdrawls that i have never been to and have never gone to. all of the money was stolen from the same few atm 's. this card is how i receive my XXXX payments for ssi, and the money is from the social security administration and the u.s. dept. of the treasury. i can not get my account history from direct express or comerica bank, but i estimate the damages to be at least {$5000.00}. i am unable to dispute or investigate this matter since comerica bank and direct express will not allow me to access the account history and wont stop giving me a runaround. there is no way to speak to a live person on the phone, the automated system is designed to silence and ignore you. any attempt i have made for a resolution has gone absolutely nowhere. i want answers, i want it investigated, i want my stolen money to be reimbursed, and i want direct express and comerica bank to be held accountable for mishandling both my money and the crimes that have been commited against myself, the federal government, and u.s. taxpayers!
Complaint sub-issue: Company closed your account

I was a customer of PNC Bank. I had a personal checking, money market savings, business checking, business credit card, and auto loan all with this bank. 

I received solicitation from PNC on or about XX/XX/XXXX for a promotional 0 % APR balance transfer for business credit card. On XX/XX/XXXX I took advantage of this promotion and completed a balance transfer of {$5800.00}. They increased my credit line to complete this promotional balance transfer. On XX/XX/XXXX I received multiple letters from PNC for each account held with PNC stating that they will close all account on XX/XX/XXXX. There reasoning was that " they reserve the right to close accounts ''. 
Contacting them directly did not provide any more information. 

They closed the credit card account that we completed the balance transfer. And removed the promotional 0 % APR and now is charging me finance charges on this balance. 

I do not understand why they closed all of our accounts. We had done nothing against their policy. We moved all funds and opened new accounts at another bank. The issue we are having now is that the solicited us to do a balance transfer and almost immediately closed the account and removed their promotion. We pay {$500.00} a month and not missed a payment.
Complaint sub-issue: Account information incorrect

XXXX XXXX Said we opened an account in XXXX XXXX ga. We live in XXXX for 14 yrs and have XXXX XXXX  for 14yrs have sent all paperwork to there fraud dept be certified mail and they received it every time i call they want something else last was a statement from XX/XX/XXXX every time i call they say our fraud dept is still checking my wife had her s/s used to open an account with XXXX XXXX  she also talked with fraud dept and they told her it looks like fraud on her s/s number i first contacted them XX/XX/XXXX there address is XXXX XXXX XXXX credit team XXXX XXXX XXXX XXXX XXXX XXXX XXXX we were never charged for there service on credit report shows 4 late payments alls i want them to do is contact credit companies and remove it also we told them we never lived in ga. Please help in resolving this mistake XXXX XXXX made thanks XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the ( FCRA ) Fair Credit Reporting Act, XXXX XXXX XXXX  AZ 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: Received bad information about your loan

Besides the 8 % and the amount being outrageous on my parent plus loan, I feel that the current balance is incorrect. I have called and never get a straight answer. I 'm being charged interest on a higher amount. I have so far paid over {$19000.00} in interest and {$4000.00} towards the principal. My original amount was {$130000.00}, should n't my balance be {$130000.00}? They have my current balance at {$130000.00}, at this rate I will never get this paid down. This is usury at it 's best!!
Complaint sub-issue: Information belongs to someone else

spoke with XXXX at XXXX XXXX on XX/XX/XXXX. Advised to them that this is a debt that is over 6 years old and that I have been disputing that the debt is not mine and I have not received anything validating this debt since it was placed on my credit. XXXX said that they can not give me any information on the account until the account has been paid off also said that it doesnt matter how old the debt is they are going to keep trying to collect on it but yet I have not heard from anyone and on my credit report it says the date of the last action was XX/XX/2016. I have the right to have my debt validated and for them to show proof that this is my debt. I have asked equifax to send me proof and validate this account but they only update the status as account verified but does not send me proof.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, has violated my rights 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: Not given enough info to verify debt

I have sent XXXX certified letters to the company requesting more information and they have chosen to ignore my communications and also to not put disputed on my credit report.
Complaint sub-issue: Problem with fees

I paid off Upgrade my credit card, received email receipt. They did not draw the money out of my checking account and now charging more interest and a late fee claiming its delinquent. 
I've tried to speak with them, representative XXXX states they have a 45 day billing cycle, no they don't according to another rep. I have the emails for both this account and a personal loan also paid in full that they did not pull from my account. The " paid in full '' that was showing is gone and now says delinquent.
Complaint sub-issue: Debt resulted from identity theft

I have disputed this issue with the company ( conns ) multiple times and even reached out to them on three different occasions in regard to this debt the company stated that the debt was in regards to a television which I do n't have and have never had.The debt which is being owed is an extremely large amount which I would NEVER finance for XXXX. Please assist me with getting this collection resolved. I have never even gone to this company and when I asked them how did I get the tv to my home they said that I carried it. how would I ever do that?
Complaint sub-issue: Account status

Denied credit from XXXX. Called XXXX was told MISSING credit info from XXXX. Ordered Equifax credit report and all info missing from XXXX to present BLANK nothing. Applied for XXXX card died reason missing credit information. Called Equfax could do nothing but send me the report. sent me report and ALL INFO MISSING from XXXX to present. Disputed online 2 more times. No Response from Equifax.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$3300.00} XXXX XXXX XXXX {$210.00} XXXX  XXXX  XXXX {$440.00} XXXX  XXXX  XXXX {$1400.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Complaint sub-issue: Didn't receive advertised or promotional terms

XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX  all on the credit reporting agency I use. It says you qualify so click here to get the card then they all run hard inquiries 20 of them and everyone of them say no in the meantime bringing my chance to even get a non secure card off the table. I am applying for a home and I went to XXXX XXXX and XXXX XXXX and they do it too! Now my credit score is down and inaccurate. I dont know what Im supposed to do. I applied for credit my dad did too because a family member died and we didnt have cash and now I feel like Ive been hung out to dry by these people. Dont trust these sites saying you can get a card based on your credit credit karma, XXXX XXXX XXXX. Please help me
Complaint sub-issue: Public record information inaccurate

Reporting inaccurate data information
Complaint sub-issue: Information belongs to someone else

Please remove this on my credit report XXXX XXXX open date XX/XX/XXXX XXXX XXXX  open date XX/XX/XXXX XXXX  open date XX/XX/XXXX XXXX XXXX XXXX  open date XX/XX/XXXX XXXX XXXX open dateXXXX
Complaint sub-issue: Account status incorrect

Account ready paid. More than 5 years affect my credit score. That accounts ready remove from my XXXX  report but not my XXXX   and XXXX  report. That fair that account paid still affect my XXXX   and XXXX report. I will like to removes this accounts completely from all my 3 report credit.Thank you for you help
Complaint sub-issue: Information belongs to someone else

I am intrested in disputing my credit report with Equifax checking my file ive noticed alot of invalid information that is hindering my file. all data should be 100 % accurate on each file and it is currently not. update all information requested.
Complaint sub-issue: Information belongs to someone else

I have been submitting multiple letters from XX/XX/XXXX, to XX/XX/XXXX, with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered unprofessional on the XXXX end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my request should result in immediate removal of the unauthorized items listed below : XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

XXXX IS FAILING TO REPORT TO CREDIT REPORTS FAIRLY AND OUTSIDE THE GUIDELINES. THE STATUS SHOULD BE REPORTING JUST LIKE XXXX SEE ATTCHED REPORTS. 

PAID IN FULL, CLOSED AND TRANSFERRED LASTLY XXXX AND ALL TRADELINE ARE FAILING TO REPORT TO XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021
Complaint sub-issue: Account status incorrect

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my XXXX account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. The payment is not late and not 30 or 31 days past due because the payment for XX/XX/XXXX was received on XX/XX/XXXX, and shows on the statements I receive that I suppose to honor will a grace period before late every month this month statement shows XX/XX/XXXX. PLEASE STOP ADDING 30 DAY LATE PAYMENTS ON MY CREDIT REPORT WHEN I PAY MY BILLS PROPERLY OR WILLING SUING YOUR COMPANY.
Complaint sub-issue: Account information incorrect

The credit reporting agencies allowed XXXX XXXX XXXX add information on my credit file without ensuring the creditor was in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I've lived in a different state for more than two ( 2 ) years. I  received no communication from the creditor. Yet, the creditor was allowed access to my credit file which has my current address. The bureaus should have made ensured the creditor had sent letter a to my address on my report prior 30 days prior to allowing the item to be added. I should have received the following from the creditor : - notification of an attempt to collect a debt - giving me 30 days to dispute the validity of the debt - stating to me the amount of debt that I owe - provide me with the name of the original creditor - to my knowledge I had not received such a letter
Complaint sub-issue: Account information incorrect

I purchased an airline ticket with XXXX XXXX and the last minute the flight was canceled by by XXXX XXXX. I was promised a full refund by XXXX XXXX and after waiting for over XXXX XXXX I contacted my credit card company XXXX to see what is my best options. And the XXXX Representative told me its best to file a dispute, which I did. I had no outstanding payment due. I received a credit alert telling me my credit score decreased. When I look at my credit report it started : We noticed a change to the remarks listed on your Equifax credit report regarding your XXXX XXXX XXXX My score decreased XXXX XXXX because I contacted XXXX about the purchase I made for a service I never received and I wasnt reimbursed.
Complaint sub-issue: Received bad information about your loan

Hi How are you doing? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus on this Federal Student Loan Nelnet. I've attempted several times to ratify the issue with student loan dept and credit bureaus and they still reporting inaccurate, unverifiable information. The balance is extremely questionable, and how ows it possible that youve reported me 90 days late with no late payments prior to that? Was the student loan servicer sued for not applying payments to consumer 's accounts correctly and i was never late nd this account is reporting incorrect and inconsistent. Each bureau reports that I was late on a different date remove for inaccuracy.
Complaint sub-issue: Debt is not yours

I am being extorted by a third-party debt collector by attempting to collect a debt I do not owe or even aware of.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a Chapter XXXX that appears on XXXX  and Equifax. It does not appear on XXXX. I have sent several letters requesting that this be removed. They both have advised me that my Bankruptcy was verified with a ( third party agency named ( XXXX XXXX ) it was not verified with the courts. I have a letter from the U.S Bankruptcy courts in XXXX, IL confirming that they did not verify my Bankruptcy with any Credit Reporting Agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681.

Equifax is governed by 15 U.S.C 1681, equifax has violated my rights numerous of times. I demand the accounts below be removed immediately : XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ACCORDING to 15 U.S.C 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these accounts
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX, am victim of identity theft and attached below is my FTC identity theft report. i fully authorize this notice and compliance. i have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL INQUIRIES PLEASE LOOK AT ATTACHED DOCUMENTS FOR PROPER INSTRUCTIONS THANK YOU
Complaint sub-issue: Information belongs to someone else

I got a copy of my credit report today XX/XX/21 because I am planning on hopefully buying a home later this year however, I noticed that there are a few credit inquiries on my report that are not mine. The inquiries are from different companies all of which I have never applied to ; I did not authorize these companies to run or access my credit file nor am I affiliated to them in any way. I don't know who is responsible for these credit inquiries but I have taken it upon myself to file a police report as well as complaint with the Consumer Financial Protection Bureau in hopes of getting unauthorized credit inquiries removed.
Complaint sub-issue: Didn't receive enough information to verify debt

THIS WILL BE MY LAST ATTEMPT TO HAVE THIS DEBT VERIFIED. IF THIS DEBT IS NOT VERIFIED, I WILL BE CONTACTING MY ATTORNEY. 

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that  XXXX XXXX/XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs,  including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX/XXXX XXXX. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Account status incorrect

In XX/XX/2021 the account was paid and agency stated the item would be updated and removed within 30 days from final payment. On all my reports the account is still there and showing an amount owed when this account has been paid and should be removed.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Coinbase XXXX XXXX XXXX : On XX/XX/2022 I made a purchase at a restaurant for {$48.00}. Coinbase has continued to hold {$140.00} ( Coinbase lists the charge as pending ) which has resulted in 6 Declined Charges to my card since I have been unable to access the {$97.00}. 

I have contacted Coinbase numerous times and not only have I been directed to out of country service reps who don't know how to handle the situation, when it gets escalated back to the US team they point back to the retailer ( Coinbase will not take phone calls in the US ). The retailer has provided me proof that they submitted to Coinbase the charge for {$48.00} and NEVER hold extra amount over the charge as a matter of policy. 

This amounts to theft of {$97.00} by Coinbase and at least 10 hours of time, duress, embarrassment, pain and suffering, emotional distress and general XXXX The retailer can not understand why this banking group has a hold as they DO NOT hold funds like this.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX XXXX Agencies have violated my rights. 
* 15 U.S. Code 1681 Section 602 States I have the right to privacy.

*15 U.S. Code 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. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Debt is not yours

When I turned XXXX this year I went to open a student credit card for college when they told me my credit had debt I owed knowing Ive never had anything in my name my whole life. After finding this out I created a XXXX account to dispute this claim towards me even though it wasn't mine. Continuing my dispute they claimed it wasnt negative even though the debt I owed clearly isnt mine. It was supposably in XXXX  and in XXXX I was XXXX years old. I just want this off of my credit because when I turn XXXX Im supposed to have no credit not negative for a payment that never belonged to me.