Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Fee problem

In XX/XX/XXXX I ordered Quickbooks Bill Pay for my XXXX  business checking account, the fee was to be {$14.00} a month. 2 Months later I received an email from XXXX treasury dept that due to technical problems they were not able to activate the " Bill Pay '' service on my account. They advise me to report that to the vendor, in writing, which I did. 
The {$14.00} continued to be taken, but my Bank rep was writing a refund to me when I reported the taking. When the rep was no longer there, I took the matter to the Manager, who said the fee pull was being initiated by XXXX XXXX  and she could do nothing about it. So I moved my account to BB & T Bank in XX/XX/XXXX. In late XX/XX/XXXX BB & T processed several ach payments to XXXX  from my account. Both BB & T and XXXX had been noticed in writing 60 days in advance that our contract with XXXX was ending on XX/XX/XXXX. That this same date also fully ended XXXX permission to process ACH pulls, To assure enforcement of this, I also closed the Payroll account. 
As I have a time warning I will end. I next move my account to XXXX XXXX in XX/XX/XXXX. I then noticed that the {$14.00} pull was still happening. I researched it deeply and found records showing that this was for the " Bill Pay '' service ordered in XX/XX/XXXX. I had thus far had nearly {$1000.00} taken in this manner. I took the entire matter to XXXX XXXX. They said the best they could do was to return one of the {$14.00} takings, as this was not in their control. They are still taking {$14.00} a month for this " service : '' that was never provided, not for even a day! XXXX XXXX, customer three Banks : XXXX, then BB & T, presently XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

In XX/XX/2020I received a statement from my insurance company, XXXX XXXX, staing that my premium was " based in part on information obtained from LexisNexis. ". They provided a toll free number for LexisNexis ( XXXX ). I called the number and requested a copy of my credit report. 

On XX/XX/XXXX, I received a letter from LexisNexis dated XX/XX/XXXX. In the letter, they said, " LexisNexis has conducted a search of its databases based on the information provided to us, but was unable to locate a file sufficiently matching your data. '' So, in essence, I received no report.

On XX/XX/XXXX, I phoned LexisNexis. I explained the situation and the woman said she would mail another letter within 7-10 business days. I never received a letter.

On XX/XX/XXXX, I phoned LexisNexis again. Once again I explained the situation to someone who only identified himself as " XXXX ''. I asked for his personal identifier, and he just repeated " XXXX ''. He said, " For some unknown reason, no report was previously sent to ( me ). ". He said he would be sending me my report within 7-10 business days. I never received the report.

On XX/XX/XXXX I checked the XXXX  website and did a search for LexisNexis in XXXX, Georgia. All the reviews for the company were ( 1 ) star. All of their responses to complainants were in a canned, form letter format. 


On
Complaint sub-issue: Information belongs to someone else

CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by XXXX XXXX XXXX and XXXX XXXX XXXX. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX services and XXXX auto XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX services and XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX and XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Complaint sub-issue: Information belongs to someone else

Chapter XXXX bankruptcy invalid reporting wrong date, reference number and amount did not file chapter XXXX bankruptcy ; XXXX and state collection are not my accounts invalidly reporting no contract and needs to be removed asap
Complaint sub-issue: Problem getting my free annual report

They have made it IMPOSSIBLE to get my FREE report
Complaint sub-issue: Personal information

My name and date of birth from XXXX credit bureau is wrong
Complaint sub-issue: Attempted to collect wrong amount

Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( XXXX XXXX ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX XXXX ( XXXX )? We had to settle for 2.5 % and 3.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, XXXX XXXX ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from XXXX XXXX about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by collection company Hunter Warfield. Now my business and personal credit is ruined for years and I am being forced to pay over {$4800.00} for a service that I have already cancelled and was n't performing like promised in writing.
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX XXXX XXXXXXXXXXXXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I am becoming emotionally stressed about this matter. This is my second complaint because they are saying my complaint is unauthorized. They say that to stall from investigation. They have not shown me proof of the account being late, and it shows the date last active is inaccurate as well. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted, and they seem to be ignoring the laws. These accounts have been preventing me from getting business funding and it's very stressful for me and my family.
Complaint sub-issue: Account status incorrect

As you are aware, the Fair Credit Reporting Act states that I have a right to challenge all inaccurate information listed within my consumer reports. In addition, Code 15 U.S.C. Section 1681 states that I have a right to privacy and all inaccurate information must be removed from reporting. I want these collection accounts removed due to inaccuracies and the time allowed for reporting collections has exceeded seven years. 15 U.S.C. 1681 Section 604A states that a consumer reporting agency can not furnish an account without my written permission. Thus, I want the collection accounts listed below removed from my consumer reporting with all bureaus.

1. Collection account name : XXXX  XXXX XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed.

2. Collection account name : XXXX  XXXX XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed. 


XXXX XXXX
Complaint sub-issue: Company closed your account

I have a Costco Visa card issued by Citi. I have spent more than {$100000.00} on the card over the last two years and have paid my balance fully every month and never missed a payment. The bank closed my card last week. I called to ask why and they said to wait foe a letter in the mail. I just received the letter which says that they closed the account based on my request. I never asked them to close the account and I can not get an explanation why they closed it.
Complaint sub-issue: Fee problem

My purse was stolen on XXXX at XXXX with my checkbook. ( police report filed ) I called US bank around XXXX and the rep. helped me close checking account. She also had me list upcoming ACH debits. I listed XXXX 's {$190.00} expected on XX/XX/XXXX. She said US Bank would process that payment. Unfortunately, on XX/XX/XXXX I received an email from XXXX, the account was past due- the payment was returned by US Bank XXXX If I had known the info., given to me by a US Bank rep., on the phone on XXXX was incorrect I would have made an alternate payment arrangement for my XXXX card. This return payment resulted in a {$29.00} return fee & {$1.00} interest = {$30.00} on my account. I paid the past due immediately on XX/XX/XXXX and disputed the fees with rep & then a manager ; he refused to reverse. He said it was US Bank 's responsibility to credit my account for {$30.00}. I then called US Bank and and explained XXXX 's position. The US Bank rep said they would send a letter to XXXX explaining their position and request reversal of fee. It was not US Banks responsibility to pay XXXX 's return fee. I have not received a letter, so I called US Bank again today XXXX and they said once I receive the letter I should present it to XXXX  They would not credit my account for {$30.00}. 
I have been a valued customer for both multi billion dollar Corporations for over 30 years, but XXXX XXXX US Bank state they will not reimburse me for fees charged of {$30.00} through reversal by XXXX XXXXr a courtesy credit by US Bank. I'm a fraud victim and did everything correctly. Please advise. Regards, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX and mortgage companies have submitted multiple credit inquiries on credit file with out consent
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting-acXXXX XXXX Account # XXXX,

has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I would like for you to assist me in removing this bankruptcy from my credit report. I never filed for XXXX and this is not mine
Complaint sub-issue: Old information reappears or never goes away

My student loans have late payments back from XX/XX/XXXX-XX/XX/XXXX. During this time I was in forbearance, and then I was XXXX XXXX military. My account shouldnt have any late payments. 

And as of XX/XX/XXXX my student loans were paid in full due to the XXXX XXXX XXXX due to being XXXX XXXX with the Dept of Veteran Affairs. 

Some accounts have over 33 missed payments on it, and in total theres over 100 missed payments being reported, essentially destroying my credit score. 

I am unable to receive credit due to the incorrect reporting of the Fed student loan service.
Complaint sub-issue: Debt is not mine

pUT ME IN COLLECTIONS WITH bAY cREDIT, AFTER REPEATED ATTEMPTS TO GET PROOF IT WAS MINE.tHIS WAS FOR XXXX AND & I HAVE NEVER BEEN ON XXXX.WROTE THEM NUMEROUS LETTERS, SENT THEM PROOF AND THEY REFUSED, STILL PUTTING IT ON MY REPORT.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 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'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.
Complaint sub-issue: Fee problem

I had to close my fresh start checking that had no overdraft privilege 's due to the fact of COVID and fraud. Someone filed a fake claim for unemployment in my husbands name, our emails, XXXX, dark web and passwords were all exposed. I notified Bank of the West of this problem. My Husband and I opened a regular account this time, last time I was not approved. Literally after opening I have had problems with them holding deposits, charging me overdraft fees when the item that cleared and I was clearly not negative at the time of it clearing. 
This all started on XXXX the XXXX, which I called in and they refunded two overdraft fees. Since then I have been charged numerous times, because they held an automatic deposit FROM XXXX ON THE XXXX and charged overdraft when I had the money present in my account I have called my branch, the call center, and have even been hung up on.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. XXXX XXXX, 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: Information belongs to someone else

I have an account reporting on my credit file that is not mine. I have disputed the account with XXXX XXXX and EQUIFAX. Please investigate and remove the items. Both XXXX XXXX and EQUIFAX are violating : FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: Having problems with customer service

To whom it may concern : My name is XXXX XXXX and in XXXX XXXX I went to XXXX XXXX XXXX ( XXXX ) XXXX to inquire about information regarding financial aid. I was directed to fill out a FAFSA application, which I did. The office told me I was eligible for around XXXX in financial aid. I asked them if it has to be repaid because I told them if it was a loan I wanted no part of it and I was told " No '' At the end of the semester I had money left over and I went back to the office to tell them this and ask them what to do with this and I was told " It is yours to do with as you please '' I again asked them if this had to be repaid and I was told again " No '' I went back to XXXX the next semester and I was not eligible for anymore financial aid, so I paid for my classes out of pocket. On XXXX/XXXX/XXXX I received a call from Nelnet telling me I was 33 days past due on my student loan. I told them I did n't have a student loan it was financial aid and I was told this did n't have to be repaid. They informed me that it was a student loan and it had to be repaid. I asked them for information they had about this and I was told to go to XXXX and talk to them. On XXXX/XXXX/XXXX I went to XXXX with my father and spoke with XXXX XXXX a financial aid advisor and explained what had happened and she printed out these forms that said Direct Loans on them ... this was the first time I had seen these and told her I did not fill out or complete any loan application as I told them form the beginning I did not want a student loan. Now I 'm in a situation where I will not go back to XXXX due to their deceptive nature and I am being harassed by Nelnet demanding money I do n't have based on the misleading information I received from XXXX. I am asking for any help you can give me with this as they will not help me in any way at all. Please feel free to call me at XXXX or email me at XXXXXXXXXXXX with any questions Thank you XXXX XXXX
Complaint sub-issue: Account information incorrect

This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards.
Also, how can they report different information to all three credit bureaus? The high credit, credit limit, date last reported, date last active and date of late payment are all different.
You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.