Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

On Thursday, XX/XX/2019, I applied with 2 banks ( XXXX and XXXX ) for a home equity loan. Both banks informed me that they were unable to access my credit report from Equifax. I was told that they both received an error that said something to the effect of : 'fraudulent application alert '. I was told to contact Equifax to fix this issue. From Thursday to today, I called Equifax about 6 times. Their customer service reps are repeatedly telling me that there is NO block, freeze or any type of hold on my report and there is NO reason why the banks are being blocked from accessing my report. The last supervisor I spoke with was XXXX, employee ID # XXXX, who also assured me that there are no holds on my report. We verified all identifying info on my report and it all matched what the banks have. The banks have attempted to run my report 3 more times and they're still being blocked from doing so. Being that both banks are having the same issue, it's rational to believe that this issue is an Equifax technical error that they have failed to resolve.
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. 

XXXXXXXX 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 ACCOUNTS ) XXXX - State Employees XXXX XXXX XXXX XXXX XXXXXXXX Equifax, XXXX & XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 convictions 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: Information belongs to someone else

I was so stress since Ive sent disputes last XXXX.2020 regarding to those inaccurate and unknown account that I found on my credit report but its almost 90 days today but I haven't received any response. I demand to Remove it ASAP or I will file a litigation.
Complaint sub-issue: Information belongs to someone else

There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I am a customer of U.S Bank I recently gained a substantial amount of money from trading stocks on XXXX after I made some winnings I transferred XXXX back to my U.S bank account on XX/XX/2021. I noticed a few days later that my XXXX account was warning me that my password was leaked. I then went on to my U.S Bank account and saw the same notification and when I looked at my balance all my money had been taken, I then went to my settings and got a notification that all my bank passwords had been stolen and that my accounts where involved in a data leak. I reported to XXXX and told them I have proof of a data leak and when I explained the situation to them they helped me get all my money back I also contacted U.S Bank i tryd explaining to them but they didnt seem to care to much about the details they give me provisional credit in the same amount that I had lost but I asked myself shouldnt they be concerned about why this was happening but they just shrugged me off as if I was a pest as if they just wanted to end the phone call, by the time I got the credit it was soon taken again leaving me with a bill of over XXXX XXXX dollars. They denied my claims and said I was irresponsible with my passwords even though I have evidence that there was a data leak on there end I should not be held responsible for there poor security system. Ive been getting harassed by U.S Bank constantly by there employees with harsh language and terms like nobodys going to believe someone like you I asked what that meant but they declined to answer, the worker continued to verbally attack me by saying you owe this and you have no choice but to pay without listening to a single thing I had to say. I just feel like this company is really abusive to there customers and they need to be held responsible. I would never be treated this way if my name was American or if my skin wasnt XXXX this has been one of the worst experiences of my life, I had no issues getting help from XXXX because they respect there customers enough not to harass and assume certain people are at fault because they look a certain way I love XXXX and how they treat everyone with dignity, I will inform all my friends and family about the way Im being treated by US Bank if this disrespect continues US Bank is a organization that has no respect for its customers especially if they are XXXX!!!
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom This May Concern, I have disputed a Bankruptcy reporting with XXXX, XXXX, and Equifax. I initiated the investigations a total of four times with no success. The dates are as follows : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 In accordance with the FCRA, the Consumer Reporting Agencies has not updated or removed the errors from my your credit reports after discharge! Due to the Bankruptcy showing on my report, its ASSUMED by creditors as being active. I am disputing the item now through the CFPB in hopes to get this issue resolved after four unsuccessful disputes that I certified mailed in writing. Thank you in advance! 

Concerned Consumer ... ..
Complaint sub-issue: Information is missing that should be on the report

Im submitting this complaint to you today to inform you as well as the Credit Reporting Agencies that I am a the victim of identity theft. I conducted a research on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and inforamtion that are listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXX Balance ; XXXX XXXX Balance {$320.00} ; XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; and XXXX - XXXX XXXX  Inquired on XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Was not notified of investigation status or results

Equifax had a massive data breach 2017 information was Exposed on the dark web multiple times.. information was purchased and compromised I was getting threatening phone calls fake bills and I had to spend money to freeze 60 data Brokers send letters mail letter certified letter security freezes and Equifax refuses to pay the bill I sent them in the mail.. they don't want to be held accountable.. they're referring me to the Equifax settlement. In which they told me I will receive {$3.00}. 10-year years from now I'm thinking is this a joke.. I spent way more than {$3.00} it cost me {$25.00} to send all the documents to the Equifax class action lawsuit.. they responded there is a security freeze on his report it's much much more than that.. I'm the victim here I had a freeze every consumer data broker out there there's like sixty of them certified letter paid for security freeze hired a attorney xcetera All I want is Equifax to pay that bill they received in the mail I will be very happy.. 
But Equifax reuses to respond. 
I understand nothing but a nobody to them nothing but a product to make profit..
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I am writing today in regards to my account with US BANK account # XXXX. The reason for writing today is in regards to the late payment is which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Complaint sub-issue: Trouble with how payments are being handled

On XXXX, XXXX, 2022 I received a letter from Nelnet concerning student loan XXXX. I have been in an income driven repayment plan with Nelnet for years. When asked to recertify on this loan, I was declined. Several reasons were given, several are which not true. Nelnet has stated that I defaulted in this loan. This is not true. My payments have consistently been on time. I have always been able to have a payment based on my income. Now they are refusing to provide assistance concerning this particular loan number.
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 XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have called XXXX to get XXXX items disputed off of my credit report XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX, I have mailed in dispute letters from XX/XX/XXXX to get these disputed off my credit by law!!!!! 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I did not give these Creditors Permission to pull my credit for Any reason ..... 

I have talked to these creditors and they agreed to have these deleted I called Equifax as well to get XXXX items off my credit report XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I sent dispute letters and the credit bureaus claim they never received any letters that was sent
Complaint sub-issue: Didn't receive enough information to verify debt

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX  and XXXX XXXX  XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Wisconsin medical privacy rules . I also hereby reserve my right to take private civil action against you to recover damages.
Complaint sub-issue: Other problem getting your report or credit score

Credit reporting agencies do not provide credit scores for free, nor will they provide all of your credit scores. This is harmful to consumers. Credit reporting agencies should be required to provide ALL credit scores they provide to creditors, lenders, insurance companies, etc., and explain the differences between those scores. Why in this day and age has XXXX not passed a law that allows consumers to have immediate, and always available access to not just their credit reports, which they can only get for free once per year, but also access to ALL of the credit scores that a credit reporting agency will generate for use by their paying creditors. Credit reporting agencies make the vast majority of their profits from creditors who request credit scores and reports on consumers, so stop making consumers have to pay for this information and make it always available and make ALL information available, not just a credit report. Scores are what matters, and consumers should be able to know each and every score that a credit reporting agency maintains about them, and they should be able to get this information at no cost, and on an immediate basis.
Complaint sub-issue: Fee problem

XXXX  XXXX XXXX is my primary financial institution. My e-commerce transactions are handled through XXXX XXXX  XXXX. XXXX has contracted the company Fiserv to process those transactions. Through my agreement with XXXX, Fiserv debits my XXXX account monthly for the cost of processing those transactions. 

On XX/XX/XXXX of 2021, there was a BOT attack which sent over 16,000 requests for authorization through our account. We generally do 1-2 transactions per day and have been for nearly 10 years. ( see attached documentation samples showing over 300 pages of transactions in a short few hour time slot ) From these documents I would like to point out that each and every one of these transactions used the same name, address, zip code and dollar amount. These transactions took place within a few hours. With no action from XXXX, or Fiserv, I fortunately identified the event in house and immediately alerted XXXX XXXX  XXXX. XXXX/Fiserv Merchant services made no attempt to identify or reduce the flow of transactions going through our account. 
Consequently, Fiserv billed me for each transaction. Our XXXX XXXX company XXXX refunded their portion of the charges, Fiserv refused stating that they could not recoup the money from Visa, so consequently the fees were not recoverable. 
See attachment for full text. 

It is clear that Fiserv puts forth a policy that exposes its customers to blatant and obvious fraud while taking the position that they have no responsibility to either a ) Protect and mitigate those fraudulent actions or b ) Absorb the costs of the successfully perpetrated fraud as a direct result of their failure to implement proper safeguards. 
Instead Fiserv, by its own admission, benefits monetarily from the processing of fraudulent transactions and because of that has no financial incentive to prevent them. 
The idea that a single person using the same name, address and zip code could posses 16,000 different credit cards is beyond any realm of possibility. The idea that in a few hours such a person could select a specific card, enter the numbers and re key an entire online transaction 16,000 times is also absurd. 
The installation filters recognizing these forms of computer generated fraud is a simple implementation and should be mandatory for any and all financial service processors. Any reasonable person would come to that conclusion ... unless of course that person profited from the fraud. 

Current card processing technology has more than enough safeguards to protect Visa, Fiserv, XXXX  XXXX XXXX and of course, the customer. The failure to implement that technology is a choice made by Fiserv. Taking the position they have with our company of passing on the costs of that failure is unacceptable. 
Forwarding the blame to Visa for not assuming financial responsibility, while simultaneously making no efforts to request ( demand ) Visa refund those fees, stands on its own as a diversion of responsibility to a unaffiliated third party.
Complaint sub-issue: Their investigation did not fix an error on your report

This is to inform you that I XXXX XXXX am submitting this complaint and report of ID theft on my behalf there is no third party involved in this complaint. The following was not submitted in error.This is complaint is not to be opened as a dispute of any kind there has been no error made by the documents contained herein this complaint. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. Included you will find FTC identity theft report, Identity theft Affidavit, Police Report, copy of ID, Utility Bill and Social Security Card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already. Equifax does not have my permission to furnish a consumer report.
Complaint sub-issue: Didn't receive terms that were advertised

Opened Citi Priority checking & savings accounts on XX/XX/XXXX. I deposited {$25.00} into checking & {$50000.00} into savings and kept the money in for the required 60 days in order to receive promotional {$700.00} bonus. I moved the $ XXXX to a Citi Bank Accelerate account on XX/XX/XXXX after confirming with a Citi Priority banker that I already met qualification requirements for the {$700.00} bonus and should receive the bonus within 90 days of XX/XX/XXXX ( meaning I should expect the bonus by XX/XX/XXXX ). It is now well past XX/XX/XXXX and I've still not received the bonus. I tried calling the bank on 36 different occasions, and after two dropped calls and transfers to customer service personnel who were clueless and just gave me other phone numbers to call, I've lost my patience. Please contact them and have them give me my {$700.00} credit I am due.
Complaint sub-issue: Keep getting calls about your loan

I received an illegal robo-dialed phone call from a company that offered to assist me with rolling my payments for a loan into the Federal PSLF program. I spoke to two individuals, one who answered the call after I followed the prerecorded message to 'press 1 to speak, ' and a supposed 'loan specialist ' who spoke about my loans and talked to an 'underwriter '. He asked for my FSA ID, which I provided, and reset my password ( which he communicated what it was to me ), then overviewed my loans and sent paperwork to me via email that I could digital fill out and asked for a payment method. My loan was going to be placed on forbearance for 4 months while they intended to collect {$990.00} across four payments. I brought up a few times about my confusion as to why I would get a loan payment letter from the federal government in the mail upon completion of my sign on and he said my loans were just going to be rolled into a new program. I switched my repayment program once already and I never got an email or printed mail about the loan being paid off. He assured me I wasn't privatizing and that they were handling the paperwork for recertification and loan forgiveness. I told them I would think about and we ended the call. I couldn't find any information about the company but they hit the marks on numerous articles about PSLF scams. 

The company was called Clear Start Today. 
Their address is ( supposedly ) : XXXX XXXX XXXX, XXXX, CA XXXX or another address is ( supposedly ) : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I should also mention my phone flagged the call as from XXXX and was different from the callback number I was provided. 

Called from : XXXX Callback provided : XXXX I got a text from : XXXX The paperwork they wanted me to fill out was loaded with legal agreements and a power of attorney contract. There were typos and the address information didn't match up between the website and the paperwork. Some of the forms didn't directly match up with those provided by the agencies they intended on communicating with.
Complaint sub-issue: Other problem getting your report or credit score

I need to report a dispute with a credit bureau. I tried to dispute over the phone and in order to get to an operator you have to go through a verification process. I answered all questions correctly but, their system says I've failed the verification process, which is pure XXXX