Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

This XXXX XXXX XXXX is out of control. I made a complaint to XXXX that XXXX XXXX XXXX requested hard inquiries instead of soft inquiries when I applied for a loan with XXXX XXXX. I was instructed by XXXX XXXX XXXX to contact them directly, as they were a part of XXXX. I complied. 

This crazy company twice sent me an unauthorized credit report with all the applications for credit and loans I have received in my lifetime. The second one stated that inquiries had been deleted, but do not give a breakdown of what was deleted. This company is unethical and nuts, to say the least. 

STOP PULLING MY CREDIT APPLICATIONS AND LOANS I HAVE HAD THROUGHOUT MY LIFE. What is the purpose of this? All I requested is an adjustment to my credit report where hard pulls had been done with XXXX XXXX. I  was told that these inquiries should be soft pulls.
Complaint sub-issue: Can't close your account

I have a US Bank Secured credit card with a {$2500.00} deposit. I provided notice to US Bank 59 Days Ago to close this account and return all deposit remaining. They have to this day still held all monies due me. 

They are now charging me both interest and late fees when they have already inactivated the account 45 days ago. This is fraudulent as they have stopped usage on the account and now will not refund security deposit less open balance equal to {$1300.00} due to me which includes a refund of {$18.00} in interest and {$27.00} late fee payment. The remaining balance {$1100.00}. 

They are to refund these erroneous charges and return the {$1300.00} at once. They have held this deposit for way to long and at this time they are stealing money from this consumer. I have all documentation needed to prove up both the request for closure as well as the dispute of charges with no follow-up to resolution.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has ultimately violated my rights 15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Frequent or repeated calls

Debt collector calls multiple times per day. Some are in the morning when I 'm still sleeping.
Complaint sub-issue: Problem getting your free annual credit report

I attempted to obtain my free annual credit report from Equifax via XXXX about a month ago, and although I answered all of the ID verification questions properly the web site rejected my request and directed me to submit my request by phone or mail. I then submitted my request by phone to XXXX on XX/XX/2019. Although the automated system confirmed my request was received, to date I have not received my report.
Complaint sub-issue: Privacy issues

On XXXX I contacted citibank because I was unable to access my user account online to pay my balance on my card. I was informed that I was unable to access my account because it was deleted due too suspicious activity/fraud. They said to just create a new account and use that account. Creating that account worked so I asked them why I was not notified and when the even happened they said they didn't know and to contact another number. Every number I called they changed the story or said they didn't know. The last number I called they basically said you can access your account now so we are done discussing this while constantly interrupting me every time I tried to explain that accessing the account wasn't the issue the issue is not being informed of potential fraud.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, 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: Account status incorrect

Discover is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. Furthermore, under the Federal Truth In Lending Act 15 USC 1666b ( a ) state that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. As a financial institution, as defined under the Gramm Leach Bliley Act, Discover failed to perform their obligation to respect and protect my privacy. Discover failed to provide me an adequate opt out notice and Ive NEVER granted Discover any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Discover actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Discover breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Discover to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Discover is required to comply with this opt out notice upon receipt and comply with the follow
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached XXXX FTC reports with inquiries I did not authorize
Complaint sub-issue: Information belongs to someone else

After losing my wallet my identity was stolen and compromised. The following accounts are unknown and unauthorized and shall be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX XXXX {$1100.00} 2 ) XXXX XXXX {$1200.00} 3 ) XXXX XXXX XXXX {$460.00} 4 ) XXXX {$1200.00} 5 ) XXXX XXXX XXXX {$4400.00} 6 ) XXXX XXXX XXXX XXXX {$1500.00}
Complaint sub-issue: Trouble getting, activating, or registering a card

I had funds from workforce wv sent to key bank a debit card was issued via key bank but do to my physical address being listed as my email address the card was never mailed and do to covid issues communication with wv workforce was limited so on XX/XX/XXXX a new card was sent to me and received and activated on XX/XX/XXXX an then I noticed that there was a negative balance XXXX and not the XXXX that is suppose to be so I contacted key bank an I was informed by XXXX of key bank on XX/XX/XXXX and my funds where sent to wv unclaimed funds so I contacted unclaimed funds wv spoke with XXXX an was told there are no funds in my name or the date of XX/XX/XXXX which is when key bank sent them.and no records for anything pertaining to my name, XX/XX/XXXX, and/or the amount of XXXX an was informed contact key bank again which I did on XX/XX/XXXX and got the same response again. So contacted unclaimed funds of wv an spoke to XXXX on XX/XX/XXXX with same response again and was suggested I call wv attorney general and I did so on XX/XX/XXXX spoke XXXX XXXX and was informed could not help me told to contact CFPB and now that bring to now.
Complaint sub-issue: Personal information incorrect

This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. 
I need these addresses removed from my report they are inaccurate. I do not live at the following addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2018 I submitted a letter in regards to an inquiry on my XXXX, Equifax, and XXXX  Credit Report from XXXX XXXX XXXX which I do not recall which the company has a numerous amount of inquiries on each of my Credit Files. I requested a copy of a signed contract bearing my signature which the company has not submitted to me this is harming my credit score. Which is a violation of the FCRA.
Complaint sub-issue: Was not notified of investigation status or results

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF EDXXXX DPT EXXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 Section 602A. 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 is missing that should be on the report

Actions taken by this company on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX They Re-pinged this account on my credit report as a new credit line when it's old and it's been on my credit already since XX/XX/XXXX. Causing my credit to go down when it was already impacted by this account from XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Act XXXX 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 an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Problem with customer service

hello I have been telling XXXX university to return that student loan back but they are not listening to me at all how can you fixed this problem
Complaint sub-issue: Used obscene, profane, or other abusive language

I knew an account was being sent to Mars INC. on XX/XX/18 so I contacted them with the intention of setting up a payment plan. My main concern is credit reporting and preventing credit reporting. The representative had provided me the balance and that she would require $ XXXX/month to prevent credit reporting and that it is a courtesy that keep an account from credit reporting. I mentioned that they were in violation of FDCPA by not providing the Mini-Miranda. She said " we haven't discussed the debt '' ; which we had when she disclosed the debt without verifying 2 pieces of information. She then gave the Mini-Miranda and said that because I had an attitude she would not work with me to prevent credit reporting and that she would make sure the account was placed on my credit report. She then transferred me to a supervisor who was very rude about me asking my questions. When she said they wouldn't place the account on my credit report for 30 days I responded with " I know that would be illegal '' and she got snippy with " well when did you get your law degree ''. I work at a XXXX XXXX and am very aware of FDCPA and UDAAP. and it is in violation of UDAAP to tell me that because she did not like my attitude they would not extend the same courtesy to me as they would another consumer and to question where I got my information simply because I do not have a law degree.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I obtained writing services from XXXX from XXXX XXXX which I was dissatisfied with their product as it did not meet several requirements. The products were not useable. I complained directly to the company who said they would refund me, but never did. I filed a complaint directly with Discover Card as that is what I used to make the payment for the writing services. Originally, it appeared as though Discover found in my favor against the company and I was not longer charged for the services. 

I started receiving harassing emails, text messages, and calls from XXXX demanding that I have Discover reverse the charges and they will refund me directly. If I did not, they threatened to contact my college and accuse me of plagiarism which was never committed. This occurred in XXXX of XXXX. I contacted Discover and explained to them the situation from the merchant and, I was scared, asked them if I was able to relaunch the complaint should they know reimburse me. I was told yes so Discover cancelled the dispute. A month went by and I received no refund from XXXX and the balance left on my credit card was exclusively and entirely from XXXX in the amount of roughly {$240.00}. I explained this to Discover. We were in constant communication regarding this balance. I could not pay for it and did not feel that I should have based off of the agreement. After getting nowhere with XXXX, I asked Discover to relaunch the dispute and the alleged that they would, but then they could not. 

On my credit report, it shows no payment from XX/XX/XXXX-XX/XX/XXXX. Discover closed my credit card that I had in excellent standing for many years, since XXXX. They closed it abruptly without consulting with me directly. They also had done this despite the fact that I had a case with the Attorney General against XXXX. As a result, my XXXXedit score dropped over 140 points. I want my credit card back opened as I ended up making an agreed payment in XXXX of XXXX after acknowledging that I was not sure how long the AGs investigation was going to go on. During the call with the representative from Discover to make the payment, it was not disclosed to me that my card was closed. Also, the amount was paid and my credit report should reflect that, but it reflects that I missed 27 % of my payments.
Complaint sub-issue: Information belongs to someone else

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I called the police about fraud and FTC.These items need to be deleted from my credit report XXXX XXXX   XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX . There are some inquiries too that are not mine : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Account terms

XXXX I am attaching this XXXX account they are not reporting this as a retail account and they are also not saying that this was closed by myself not by the credit granter which if effecting my credit
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.
Complaint sub-issue: Account information incorrect

The account balances are out of date and incorrect. This impacts correct information providing input to lenders and the critical calculation of debt to income scores. That alone can pose a negative adverse action of unfavorable rates and terms upon both me and my spouse. The sad fact is these companies are allowed under current law to continue this facade without fear of any retribution for providing that incorrect reporting. By their own admission they are months behind and banks have no law that forces correct and prompt updating of positives, although significantly negatives are posted immediately and errors take months to correct. Sadly by opinion of experience when you deliberately and knowing present false or inaccurate information for consideration under the guise it is correct you have committed fraud. They who allegedly supervise, regulate or define themselves as protective agencies are by nature of non action complicit and accomplices to that deception. Certainly consumers are not allowed under fear of penalty why should these lenders, banks and reporting agencies given a pass given all are ethical, honorable organizations? The facts are even after correcting known errors their reporting is still inaccurate and by fact of system design will ALWAYS BE SO. Hence our FICA and CREDIT scores are lower due to invalid debt to income calculation. Outcome- adverse results from lenders.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXXXXXX XXXX XXXX XXXXnquiry : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX C & amp ; XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX US DEPT OF EDUCATION REPORTED BALANCE {$410.00} : XX/XX/XXXX US DEPT OF EDUCATION REPORTED BALANCE {$230.00} : XX/XX/XXXX XXXX LOAN SERVICES REPORTED BALANCE {$0.00} : XX/XX/XXXX DEPT OF ED / XXXX REPORTED BALANCE {$0.00} : XX/XX/XXXX DEPT OF ED / XXXX REPORTED BALANCE {$0.00} : XX/XX/XXXX XXXX XXXX REPORTED BALANCE {$25000.00} : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$96.00} : XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Reporting Act, the following accounts have violated my rights 15 USC 1681 section 602 A states that I have a right to privacy 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instruction EQUIFAX REPORT XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Accounts # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX  Accounts # XXXX # XXXX # XXXX # XXXX XXXX REPORT XXXX # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX # XXXX # XXXX XXXX XXXX # XXXX # XXXX XXXX REPORT 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: Their investigation did not fix an error on your report

Greeting, In XX/XX/2018, I received verified dispute results from Equifax, XXXX, and XXXX. According to the FCRA my rights has been violated. I asked all the companies to show how the account was verified, to send a copy of the original contract, and the payment history of the account. All failed to provide me proof and is still reporting negatively.
Complaint sub-issue: Investigation took more than 30 days

When I performed a name search on the Internet, I learned that some of my personal data was being used without my consent. As a result, I filed a complaint. My information was collected by an aggregator website, which instructed me to contact around nine different websites in order to have it removed after checking the website 's FAQ section first. In addition to feeling violated since I value my privacy, having to ask to have my possessions taken made me feel ashamed. My report contains unapproved fraudulent accounts, and I would like such accounts to be terminated and fixed. Take away all inaccurate and negative accounts from my credit report. My capacity to get credit has been harmed by this. I'm making every effort.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I AM CERTAIN THAT THIS NEGATIVE ACCOUNT IS FRAUD RELATED BECAUSE I AM SURE THAT THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I logged into XXXX XXXX and my XXXX   score plummented for unknown reasons. This is after I paid off a credit card. Equifax and their personnel are monitoring my credit reports and not processing my disputes. I had contacted the Georgia attorney general and received a letter regarding a specific person at Equifax.

I am demanding an investigation to why Equifax continues to report erroneous accounts and account data. Particulary from XXXX XXXX XXXX XXXX.

Equifax will be held accountable for their actions. For damages to my Art and reputation.

I am asking the CFPB to forward this compliant and to demand Equifax and their parties to stop abusive and deceptive debt collection and credit reporting per 1681 of the FCRA and FDCPA.

They are using my credit information and are jealous of my credit.
Complaint sub-issue: Information belongs to someone else

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft, someone has access to my personal information and it ruining my credit by applying accounts that I have no knowledge.