Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Recently I contacted Greensky/XXXX  XXXX/XXXX  XXXX XXXX. For months I've been attempting to get this matter of a negative impact of 70 pts ( one year later ) XX/XX/XXXX resolved. This matter has been disputed with XXXX/XXXX/XXXX. The account was closed by grantor XX/XX/XXXX by grantor due to delinquency/non reporting. XX/XX/XXXX creditor reported payment reversal indicated by R03 ( reversal ). The creditor 's payment portal auto-populates my banking information, however on this date it did not, therefore an error on their system. This created late payment notifications, however I was never late until an unforeseen circumstance XX/XX/XXXX. If not for the payment portal issue, the unforeseen circumstance would not have occurred. Greensky continues to hold me accountable for their payment portal error. 

I am requesting that Greensky immediately restore 70 pts to my credit score, report condition as open and correctly report to this account.I have never been late on payments. I continue to make on time payments. 

Representatives indicated that the reasons to close this account, 1 )  purchase window expired/no longer eligible for purchases, and 2 ) late payments. Neither of the reasons makes sense. Opening this account with XXXX XX/XX/XXXX only for home improvement and no other purchases were intended. This account was given to Greensky as a servicing agency.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Consumer Reporting act XXXX XXXXXXXX XXXX XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

The credit bureau is incorrectly reporting a " XXXX XXXX '' account on my credit report. According to my credit, it was opened in XX/XX/XXXX for a debt of {$1300.00}. The account number is : " XXXX ''. I have never had any business dealings with this collection company. I do n't know who they are or why the credit bureau is reporting that I have a debt with them. This is not the first time I have disputed this account, I have sent written disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get this removed but time after time, the credit bureau has dismissed my disputes as frivolous and they refuse to remove this from my credit. I want to add that XXXX has no record of this account. When I sent the same dispute, it was confirmed that the account did not belong to me and was promptly deleted. How can there be a different result for the same investigation between XXXX and this credit bureau? This does not make sense. This is why I am taking my complaint to the Consumer Financial Protection Bureau.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX XXXX amount {$260.00}. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX amount {$340.00}. 
XXXX XXXX XXXX, XXXX XXXX : XXXX amount {$170.00}. 
XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX XXXX XXXX {$2500.00}. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX {$170.00}. 
XXXX XXXX XXXX amount {$4000.00}. 
XXXX XXXX XXXX amount {$8900.00}. 
XXXX XXXX XXXX amount {$3000.00}. 
XXXX XXXX XXXX amount {$4200.00}. 
XXXX XXXX XXXX amount {$1700.00}. 
XXXX  amount {$100.00}. 
XXXX XXXX XXXX amount {$300.00} XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX  amount {$510.00}. 
XXXX  XXXX amount {$670.00}. 
XXXX XXXX XXXX amount {$400.00}. 
XXXX XXXX XXXX amount {$290.00}. 
XXXX amount {$100.00}. 
15 U.S.C1681 section 602A. States I have the right to privacy.

15 U.S.C1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: 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 XXXX credit bureau to validate this account ( A ). 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. 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. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$920.00}
Complaint sub-issue: Other problem getting your report or credit score

I can not obtain my credit report or score for equifax. I tried through my exqifax, annual credit report, XXXX XXXX and XXXX. all states that equifax isn't available
Complaint sub-issue: Can't get flexible payment options

I had originally attended XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX, FL XXXX in XX/XX/XXXX of XX/XX/2010, with the intention of pursuing an XXXX in XXXX XXXX, however the program itself was over {$32000.00} i had ended up finishing my degree owing more then {$56000.00} worth of loan of course including the combination of federal and private loans. Currently I am making my payments towards a lending service called Genesis lending of which i owe more than {$12000.00}. Unfortunately my current financial situation is not the best and to make monthly payments is almost difficult. They had promised me a career in Major and the only thing that they were able to give me was a part-time job as a XXXX. In my honest I feel that what that school had to me and many others like me was a great in justice. and now in order for me to continue my education I would have to pay for it out of pocket without any assistance, and to be frank there is no greater tragedy especially for someone of my age who has his whole life ahead of him.
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND LATE PAYMENTS from my credit report immediately.
Complaint sub-issue: Billing dispute for services

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, I received a letter from IC systems stating that they are collecting money from me, on behalf of XXXX. I do not owe IC SYSTEMS any money. I do not know who they are, and I Have never had XXXX as a phone carrier. I have had the same cell phone company, which is XXXX wireless for over 10 years. I have also had the same cell phone number for over 10 years. There is no way I owe XXXX any money. I sent a letter to IC Systems asking them to provide me with validation of the debt they are claiming I owe. I received a letter from XXXX XXXX stating they have no record of my account and I need to send them more information. I will not send them any of my personal information. They initially claimed that i owe XXXX. This is a scamming company trying to steal my information, and I immediately request for them not to report anything negative to the credit bureaus. They have not provided me with validation, and they are attempting defamation of my credit character. This company needs to completely remove me from their system. I dont owe them or XXXX any money!! I want to cease collection on this false debt immediately!
Complaint sub-issue: Problem with fees

I paid my account by adding a new payment source. Somehow, my payment was put on my payment stored when I first opened my account. They charged my XXXX account and not my local XXXX account, which I had made a new payment source for on the XX/XX/2020. I wrote a letter with proof I made a new payment source, but they made a third attempt into my account. That's TOTAL OF {$87.00} IN ACH fees on my account. They have changed and are not a part of XXXX anymore. The are a part of Citibank that has given me tons of problems in the past and who are connected to corruption in XXXX County. XXXX County Sheriff 's Department is harassing me, because I refused to prostitute for them and Citibank is helping them.
Complaint sub-issue: Account information incorrect

in XX/XX/XXXX, the dean of the school called me into to the office to do exiting paper work. she told me that i would have the lowest plan. She also told me interest would not be high. They have brought mey credit score down 200 points over misinformation I was gived i calle student loan services, I am in deferment, but they have yet to move incorrect pass due dates.
Complaint sub-issue: Other problem getting your report or credit score

My credit score is been reported really low although. I have : -Low utilization of credit cards -Paid off car loan with XXXX XXXX XXXX XXXX Collection account ( XXXX XXXX ) has submitted the account to be deleted. 
- All accounts are current and paid as agreed. 

Based on all these factors, my score on all three Credit Bureaus should be in high XXXX ( XXXX )
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name # 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  15 USC 1681 states I have the rights 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 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 USC. 1681s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect.

Below I have attached the documents from my credit report circling inaccurate and incomplete information on my credit report for a long period of time. Moving forward I would like this Information to be deleted or removed from my credit report.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 719XXXX has me at a score around 590. 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 XXXX  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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Debt was result of identity theft

Fraud report started with XXXX, AFNI INC, XXXX  XX/XX/2021and Police report for the {$990.00} on XX/XX/2021. I found that the wrong name and address was used to create the debt which was not aquired by me. This is the second time XXXX has done this with a different collections company. Using just a social sercurity number to give credit is just not smart. All the other info they used was incorrect, yet XXXX  continues to attach this and other charges to me.
Complaint sub-issue: Reporting company used your report improperly

My information was leaked in the ongoing incident. According to the Equifax website which checks for impact, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have just put an initial fraud alert in place and gotten my report from one of three agencies to check for errors. Now, I will continue to monitor my reports for the foreseeable future.
It is entirely unacceptable to store this information unhashed and unsalted. Any data security company knows this. To do this with the information of Americans is just mind baffling.
Complaint sub-issue: Account status incorrect

Dear CFPB, I writing this in request to XXXX  XXXX XXXX to provide me a 1099-C for the following account : XXXX The status of this account is inaccurately reporting on my credit profile and I request that it is deleted. Otherwise I will have no choice, but to file a 3949a and enter litigation.
Complaint sub-issue: Investigation took more than 30 days

Cfpb Why aren't you doing more to enforce consumer rights under the FCRA and FDCPA? Over the last year, I've been led to believe that my credit report has been irresponsibly tampered with. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've been disputing these accounts for the past two years, and Equifax, XXXX, and XXXX have not provided me with substantial proof of validation that they claim they've received. 

I have made several attempts to remind Equifax, XXXX, and XXXX of their obligations under 15 USC 1681. It appears that they are being deliberately and willfully negligent in resolving my issues. 15 USC 1681e ( b ) guarantees that I am due and promised accuracy in my report in accordance with federal law. This is yet another attempt to have these errors on my consumer report corrected According to I5 USC 1681 ( A.5 ), all unverified information must be promptly removed following the reinvestigations. You can see in your system that these accounts have previously been disputed without being thoroughly investigated, so I know they can not be verified or validated. '' I demand that the accounts be deleted.
Complaint sub-issue: Was not notified of investigation status or results

I have sent 3 letters to Equifax. the first dated XX/XX/2021, the second XX/XX/2021 and the last one on XX/XX/2021. I have not received a response to my letters and today is XX/XX/2021. They have 30 days to respond to a consumer and they are not following the laws of FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

My bankruptcy was Dismissed on XXXX XXXX. 
I dispute from Credit Bureau Since Last Year XX/XX/2020. 
Every time They Replied '' Verified '' They Verified whom don't tell. 
I did call Supreme Court XXXX New York Court Clark. 
They told me they did not verified because Case was Dismissed XXXX  Use 3rd Party to verified this account. 
This account must delete from my credit report.
Complaint sub-issue: Didn't receive advertised or promotional terms

To whom it may concern, I recently applied and received an Edward Jones credit card with the promotional promise of 0 % transfer fee and 0 % interest charge on the first 12 billing cycles. However, on my most recent statement on XX/XX/2023, I saw an interest charge. I contacted customer service on XX/XX/2023 regarding the interest charge and was told that they reverse this month 's interest charge but that they would be charging me interest moving forward. I would like the company to honor the promotion promise of 0 % interest charge on purchases for the first 12 billing cycles.
Complaint sub-issue: Account status incorrect

LoanCare, a mortgage company that held the mortgage on a property I used to own reported a late payment to the credit agencies for the month of XX/XX/XXXX. I sold my property that LoanCare held the mortgage to in XXXX of XXXX so there was nothing to be delinquent in XXXX. I contacted the company to have them correct it but almost 5 months later they still show it as a dispute by consumer on my credit report and this is affecting my ability to qualify for a new loan for a new mortgage.
Complaint sub-issue: Account information incorrect

i did submit a complaint to the CFPB abut a reporting issue, and bank responded '' Due to this error, all late charges assessed to the borrowers account have been waived and a correction was submitted to the credit repositories to reflect all payments have been " paid as agreed. '' We ask the borrower allow approximately 30 days for the update to be reflected on his credit report. '' and today, more then 50 days it still was not updated
Complaint sub-issue: Trouble getting information about the card

I received a gift card with {$250.00}. I activated the card. When I try to use it the transaction is declined. When I try the website to see the balance it does not recognize the 3 digit security code on the back of the card and after 3 attempts it has locked the card and says to call the number on the back of the card. When I call the number on the back of the card, the automated message can not find the card and then hangs up. There is no way to speak to anyone. They have essentially stolen my {$250.00} since I have no way to talk to anyone or get a replacement card.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a Costco CitiBank Visa and encountered a problem with a spa vendor due to a business matter within the company. I purchased XXXX XXXX XXXX for a XXXX treatment on XXXX XXXX.  At the conclusion of that treatment, I opted to purchase a package of ten for XXXX (XXXX) per session. Ten sessions were deemed to be cost effective and offer maximum results, as a la carte sessions were XXXXI had one follow-up visit on XXXX XXXX, wherein I had a massage and a XXXX   treatment.  The subsequent appointment scheduled for XXXX XXXX was cancelled due to the dissolution of the business relationship with the therapist.On XX/XX/2019 I filed a dispute, as I paid for ten sessions in good faith that this merchant could no longer provide due to the dissolution of relationship with the XXXX. Citibank reversed the charge and credited my account XXXX.On XXXX XXXX, Citibank furnished a subsequent response by the vendor that was dismissive and accused me of “scamming” , despite support documentation acknowledging I did not receive full package. Citibank returned the charge to of XXXX my account.I was encouraged to reply to the XXXX XXXX letter and did so on XXXX XXXX.On XXXX XXXX, Citibank sent a response to my letter stating they would work with the merchant bank to obtain a permanent credit and would advise me of any reason the credit would not be reversed. Citibank reversed the charge again and credited my account XXXX.  Finally, on XXXX XXXX, Citibank informs me that the merchant will not honor the request based on information that I have provided. Citibank returned the charge to of XXXX my account this week.  I do not know the other company/merchant bank involved and am unable to name them here.However, it appears that Citibank has handled the matter poorly. Citibank has reversed charges four times (with adverse credit score impact) and has not given me adequate consumer protection, sound basis for their decision or an equitable outcome given the facts.