Johnade/consumer_complaints_cfpb huggingface dataset:
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 XXXX ( Original Creditor : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX, personal XX/XX/XXXX has violated my rights XXXX XXXXs and XXXX XXXX  XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX ( Reseller ) XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX has violated my rights. 
XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Complaint sub-issue: Reporting company used your report improperly

M.A.R.S. INC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given MARS INC whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Complaint sub-issue: Their investigation did not fix an error on your report

My ex husband and I finalized our divorce XX/XX/2020. He refinanced the loan on our previously joint owned home in XX/XX/2020. I have submitted multiple disputes as well as contacted gateway mortgage company here in XXXX. The disputes repeatedly state I am still responsible despite having submitted the refi paperwork and quit claim. The company essentially told me " we don't report every month so tough XXXX ''. I am looking to have this resolved as my current fiancee and I are going to be purchasing a home in the next 3-6 months.
Complaint sub-issue: Investigation took more than 30 days

I am filing a complaint against Equifax, XXXX  and XXXX XXXX as they are not complying with their own policies in a timely manner. They had 30 days to review my dispute and I have not received a response.
Complaint sub-issue: Debt was result of identity theft

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately. ( I C SYSTEM ( XXXX XXXX XXXX ) ***** Opened date : XX/XX/2021 Balance {$1100.00} ) This company is attempting to collect on an out of statute debt. This is against the law, per the Fair Debt Collection Practices Act. Perhaps that doesnt matter to you, but it matters to me. In addition, this company has chosen to illegally add fees, clearly in noncompliance with the Fair Debt Collection Practices Act. Please provide proof that this account belongs to me along with documentation stating your FCC clearance and that you have not abrogated my rights in reporting this debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon checking my credit report, I have noticed some on unauthorized & unverified items. According to the FCR a legally, these items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Complaint sub-issue: Didn't receive enough information to verify debt

I am a physician with > {$350000.00} in student loan debt through XXXX  XXXX. They have been challenging to deal with for the last decade, to say the least. 

I found out when logging into my account on XX/XX/XXXX that my loans were put into forbearance without my knowledge. As a result, payments were suspended, interest rates were increased ( to nearly 8 % ). 

I spoke with 3 different individuals with XXXX. The first 2 told me I must have missed a payment ( never have in 10 years, I overpay on them ). When they verified that, they told me they had no idea why I was in forbearance due to delinquency. A higher level individual notified me that in XXXX, when I applied for the Pay as You Earn ( PAYE ) program, I was denied this program, which would have resulted in lower monthly payments ( at a time that I really needed that ), and that denial was an error. They " corrected '' this on my behalf right now. As a result, when switching repayment programs my loans were put into forbearance, with the resultant negative consequences ( higher interest rates, the {$48000.00} of interest now may capitalize on my principal, no one could answer why it was listed as a delinquency forbearance which may impact my credit ). 

All of this was done without my knowledge or consent. Based on a previously denied PAYE application in XXXX. I only found out about the forbearance when Iogged in to my account. 

They are currently " submitting my file for review, '' I can do nothing but hope some of this is corrected. I asked for something in writing regarding all of this, which as of now I have not received. They do not seem to take seriously how egregious this is.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2022 my dispute was denied from here in the amount of {$900.00}, {$920.00}, & {$300.00} someone made unauthorized charges on my account & I reported it as soon as I found out I thought there was fraud protection on things like that they refuse to refund my money
Complaint sub-issue: Debt is not yours

This inaccurate debt from MARS LLC is reporting on XXXX, XXXX  and XXXX  credit files. I have never requested credit or services from this creditor nor their affiliates. This debt does not belong to me. It reports that I co-signed but I never agreed to co-sign for anyone on any debt. I asked for the original contract bearing my legal signature along with copy of drivers license and Social Security card which should have been provided when the alleged debt was created. However, I got no response. None of this documentation was provided to me. The amount reporting owed is different with all three credit bureaus.
Complaint sub-issue: Information belongs to someone else

I sent paperwork to Equifax showing fraud on an account-I fax it in to the fraud department. The packet included a FTC Fraud Affidavit and letters that were provided to me by the FTC to have the account blocked. I called and verified that Equifax received the paperwork and they stated that they are not going to block this account. but put it in for a dispute. They stated that I have to filed a police report to get it blocked. I told them that I was informed by FTC that I was not required to have a police report file and not to file a police report until I know the amount of fraudulently charged. but they stated that is the only way to they will do it. Until they get that, they will treat it as a disputed account not a fraud account, and allowing it to keep report to the credit buear as an negative/ fraudulently account. Marking the account showing in dispute-Which with that, I can do any type of banking for my business. 
The rep stating, because I opened the account, it was not fraud. I did open the account but I have charges on the account that are fraudulently and the lender refuse to provide me any paperwork regarding these charges. I have filed all of the paperwork required. I have even filed a complaint with the CFPB regarding the company that is reporting on my credit report. 

What is the point of doing all the steps necessary for blocking a fraud account on the credit, if the credit reporting companies are not going to follow it. I was told about the fraud paperwork from XXXX and XXXX XXXX-Equifax stated all I could do is file a dispute and wait 30 days. Why is equifax not following any of the fair credit reporting rules?
Complaint sub-issue: Account terms

XXXX XX/XX/2013 {$270.00} CABLE/CELLULAR has charged me an incorrect charge which is negatively affecting credit status on all XXXX credit bureaus. I 've cleared all my accounts with XXXX and have an active account with them currently.
Complaint sub-issue: Debt is not yours

ERC continues to attempt to collect a debt that doesn't belong to me. I have already disputed this debt. They agreed to close it. Now I receive a letter stating that they have been authorized to report this account to the credit bureaus. They are playing around, this isn't my debt, and again, they keep saying that they have closed the account and they haven't. I am not paying a debt that doesn't belong to me. My next step will be to sue them for the max that the law allows if they do not close this account and stop trying to collect on an account that doesn't belong to me. This is NOT my debt. 

First they sent this to my parents house at the end of last year. I disputed it and they agreed to close the account. Now they are back at it. This is the last time that I will dispute this. I will hand it over to an attorney if I see this on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are falsely reporting late on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also please reference pages 11 and 12 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Unable to open an account

I was banking with XXXX XXXX  at one point. But they closed my account due to a check being deposited into my account. I had called XXXXXXXX XXXX  and reported my card stolen and explained to them that I didn't know why I wasn't able to log into my mobile app. Thats when they told me a fake check was deposited into my account. Besides that I had my card stolen at a party I had attended. I always write my PIN number on the back of my bank card or any other card I own so I won't forget. On top of that I received a phone call to give my routing and account number. I just thought it was important to do so. Now I'm in a bad situation. Can someone please point me in the right direction. I deeply appreciate it. I tried to even bank with Pnc Bank but they won't let me open an account with them either.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022, at XXXX XXXX  my Coinbase Card was charged {$250.00} for a purchase that I didn't make. 

The purchase was still pending so I called Coinbase 's card customer service and their agent told me that they can't do anything to flag or resolve this issue until the fraudulent charge was completed & is no longer pending. 

Once the fraudulent purchase was completed I called customer service again & they initiated an investigation. They emailed me back that same day saying the following : " Thank you for contacting Coinbase Support. We understand that you want to dispute your Coinbase card transaction. 

Please be informed that we've completed our investigation of your dispute for the transaction of {$250.00} USD. 

Unfortunately, the chargeback was rejected by the network for the following reason XXXX Dispute is invalid under Dispute XXXX XXXX for a XXXX XXXX transaction. XXXX Case Number XXXX. 

As a result, we will be closing your claim. ". 

I called customer service again & their agent told me that there was nothing they could do as they aren't the team responsible for the claim 's investigation. 
When I asked to speak with a manager the agent told me the manager was busy & can not talk on the phone. I asked when he will not be busy & they responded by saying that they don't know when the manager will be able to talk. 

I asked the agent for the contact details of the team who investigated my claim & the agent said they don't have a phone number. The agent told me to respond to the email for my XXXX XXXX XXXX XXXX. 

I responded to that email asking if I will get my money back & if I can talk to somebody directly about how my money was stolen off of their financial platform. They responded with the following email : " Thank you for your response. We appreciate your time and effort for bringing this back to our attention. 

Please be advised that our team completed the investigation into your dispute transaction and it was rejected by the network. Due to security purposes, we can't provide specific details and elaborate more information on our account reviews. 

Additionally, for the security of your account, Coinbase Support does not make outbound calls to customers. To speak to one of our phone agents, please visit our contact page here : XXXX  : XXXX ''. 

Coinbase Card has offered me no fraud protection & no means of reimbursement for the money that was stolen from me through their platform. Any means of communicating with their team is met with zero support & lacks any information that explains their lack of action. They are being irresponsible with their customer 's money & making us customers pay for their incompetence as a financial service. I'm outraged by their absolute lack of security, customer support & zero communication. 

Please help me get my money back, This type of irresponsible business practice with people 's money is unacceptable. 

I recorded the phone conversation with their customer support agent- please let me know if you need anything else or have any questions.
Complaint sub-issue: Problem with customer service

I have been applying for public service loan forgiveness for months. My paperwork is not being handled in a timely manner and Im ready for these loans to be DISCHARGED!
Complaint sub-issue: Other problem

In XX/XX/2018, I went to a XXXX 's store in Downtown XXXX XXXX and made a purchase with my XXXX XXXX XXXX credit card. The sales associate asked me if I wanted to upgrade my XXXX   card to a XXXX XXXX XXXX XXXX credit card. I asked her if the upgrade would result in having one or two credit card accounts with XXXX XXXX and she told me that the XXXX credit card would merge into the XXXX XXXX resulting in only one account. I agreed to the upgrade under the belief that I would have only one XXXX 's account. Several days later, I received a letter from XXXX 's informing me that my application was denied because I was attempting to open a second store credit card account ; this was confusing to me because I was told that I was not opening a second account. A few days later, I received the XXXX XXXX XXXX XXXX card in the mail. I called XXXX 's and asked if both accounts would merge into the XXXX XXXX XXXX XXXX like the sales associate told me. The customer representative told me that they were no longer doing upgrades that resulted in only one account and that I now would have two accounts. Additionally, XXXX XXXX own website states that an upgrade to an XXXX XXXX account results only in one account : XXXX   : XXXX % XXXX. I told them that I was misled to believe I would only have one account, and that if I would have known I was opening two accounts, I would not have upgraded to a XXXX XXXX XXXX XXXX. I did not agree to two accounts. Now, I am concerned that if I close one of the accounts, my credit score will be adversely affected, as that's usually the result of closing a credit card account. I also submitted a complaint via the XXXX XXXX customer service website, and never received a response. I just got off the phone ( second call to XXXX XXXX customer service ) and filed yet another complaint. Thank you for your help.
Complaint sub-issue: Information belongs to someone else

AFNI has a XXXX collection against me for the amount of {$300.00} on my credit report. I have never been a customer of XXXX. So when I called, I found out it was for service at property address XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX in which I previously owned. Problem is, the account was set up and closed in XXXX and I sold this home on XX/XX/XXXX as you will see on the attached satisfaction of mortgage. 

Due to me trying to close on a new home ASAP, I asked AFNI to accept my payment in full but to issue a courtesy deletion as the account is not mine rather than go the whole fraud route. They declined to issue a deletion of the account once paid.
Complaint sub-issue: Received bad information about your loan

FEDLOAN asked for a refund on paid student loans in XXXX, they said it would take 2weeks to 2montbs, called in XXXX and was told it was still processing despite them saying I was transferred to a new company, new company had no account info ( and still doesn't in XXXX ). Called back in XXXX and they said they cancelled the request and I had to take it up with the new company who still has none of my account information. They never informed me of any of this in writing, emails, phone calls nothing, just cancelled the request and lied to me about it still going through when I called to check in XXXX. I should've had my loans 2 months ago, now Im going to be losing everything because they couldn't just tell me sorry you'll have to refund with the new place.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXXXXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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: Delay in processing application

I understand that this complaint might be handled by the executive office of CitiBank and that's actually a concern for me. I can't count on CitiBank executive office staff members.

I had an issue with CitiBank customer service, following which a team member from Citibank executive office called me apologizing for what happened. The team member also provided me with the direct phone number of their executive office for in case I need to reach out to them directly in the future. The number is XXXX. 

I applied for a credit card. I was advised that there are no issues relating to my credit score and or any other factors for having my credit card application approved, it's only an identity confirmation that is pending for the card to get approved. I was told that I would receive a letter via mail for verification purposes. I was advised upon receiving the letter I would need to call CitiBank customer service to confirm my identity and then the credit card would be issued. 
I never received that letter from CitiBank. I called the executive office phone number that was provided to me when I realized
that phone number is taking me only to their general customer service, and the general customer service then telling me the executive office of CitiBank is not reachable over the phone. This means the team member who provide me that phone number is fake and misleading. 
I can't believe I applied for a credit card with such a below standard bank. If the CitiBank executive office is so misleading, what more can I expect from their general customer service. 

Application ID XXXX
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$11000.00} XXXX XXXX  XXXX Balance {$1100.00}
Complaint sub-issue: Reporting company used your report improperly

I was affected by the recent Equifax security breach and Equifax believes that my information including social security number, driver 's license and address may have been compromised. Though I understand Equifax was a victim of the hack, I entrusted them to keep my personal information safe and secure.