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

In accordance with the fair credit reporting act 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: Information belongs to someone else

I have unknown accounts reporting to on my credit profile. I am needing all unknown accounts removed from my credit profile immediately.
Complaint sub-issue: Didn't receive notice of right to dispute

Previously had checking account with Bank of the West, XX/XX/XXXX-XX/XX/XXXX, overdrawn once & was charged {$5.00} a day for everyday overdrawn plus customary {$25.00}, other fees,, total of {$550.00} Now this is showing as negative/ derogatory on credit report, is such daily overdraft charges legal? Never known of another financial institution having such charges, feel these are unfair, outrageous charges, I have applied for my VA home loan benefit feel this might hinder progress
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Some one use mu infirmation to apply for credite card
Complaint sub-issue: Their investigation did not fix an error on your report

This relates to : XXXX I was seriously considered when this company review my case. Well after the security breach at Equifax that exposed my credit profile yet again, I have requested with follow up the removal of the hard inquires on my credit report. The Equifax breach allowed other attempts o my and millions of other XXXX  XXXX with the past year. I Believe if CFPB can not compel XXXX to remove these items I will have no choice but to escalate to court of law. I make no empty threats as I have done so in the past. ( see XXXX )
Complaint sub-issue: Received bad information about your loan

I have all federal loans and since the day I have graduated from XXXX  school in XX/XX/2010 I have been making payments in an income-based repayment plan or a revised repay as you earn plan in order to qualify for PSLF. Every payment that I have made should count towards public service loan forgiveness. I have submitted a count request to determine how many payments I have remaining before I can apply for public service loan forgiveness, however the count has been incorrect each time they have sent me this information. The count is off by many payments. I only switched to fed loan a year ago as servicer. I feel that they are not counting payments made through the previous servicers. I have asked for a manual recount and this has yet to be resolved and my count is still incorrect. This is frustrating and causes great stress.
Complaint sub-issue: Collected or attempted to collect exempt funds

I was with Discover, got behind on payments. The situation escalated and I was getting sued by Discover we arranged payments and now the debit is paid. The problem im having is that Discover hired XXXX XXXX XXXX ( law firm ) to sue me which meant account never left Discover hands, i quote " Respectfully submitted, Discover Bank By Its Attorneys ''. So now that the money is all paid Discover changed my account from Closed to Current then the very next day Changed it to an charge-off with {$0.00} balance. How can you charge-off nothing? Only thing being done is Discover being vicious against me to hurt my credit. I been watching my credit reports, Discover only closed the account and hired XXXX to do the dirty work and now still trying to write it off as an charge-off.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX was reported 30 day late XX/XX/2019 was reported incorrectly.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax, XXXX  and XXXX XXXX XXXX are reporting a tax lien from the XXXX County Circuit Court for the State of Indiana. In attempting to dispute the liens against my business I have been unable to receive a copy of my business report to dispute the information unless I pay {$49.00} or more for a copy of my credit report. I spoke to an Equifax representative who initiated a case on my behalf
with Equifax Business Credit and told me that I would receive a copy of my business credit report almost two months ago. To date, I have not received the report or any additional requests for information. The Equifax business grade of " F '' has caused my business undue hardship because of inaccurate reporting and prevented me from being able to obtain much needed business funding in the midst of COVID-19.
I have attached supporting documentation that shows I do not have any outstanding debt in the State of Indiana as I have never done business there.
Complaint sub-issue: Investigation took more than 30 days

i sent this letter on XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following. 

Creditor : XXXX XXXX XXXX Account # : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX for Equifax, XX/XX/XXXX for XXXX and nothing for XXXX Creditor : XXXX  XXXX XXXX Account number : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX Equifax, Closed date XX/XX/XXXX Equifax. XX/XX/XXXX last activity, XX/XX/XXXX closed date XXXX. 

Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX Equifax, XX/XX/XXXX XXXX and no date for XXXX. 

Creditor : XXXX XXXX XXXX Account Number : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XXXX XX/XX/XXXX, Equifax has no date nor does XXXX. Closed Date is different, XX/XX/XXXX Equifax, XXXX XX/XX/XXXX I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Never sent a updated copy of my consumer credit report reflecting the corrections.
Complaint sub-issue: Account status incorrect

A loan was taken out on XXXX. The last payment received was XXXX. This company has been reporting missed payments past the 120 day mark for the last 5 years hurting my credit even further. They have kept the account open, updating the balance due to interest accumulation that shouldnt of happened. There are several different balances showing for the payoff using multiple services for collection.
Complaint sub-issue: Debt was result of identity theft

Creditors Just put something on my credit report that was never there before! I just searched my credit report today XX/XX/2019 And saw this company " EOS CCA '' XXXX. XXXX XXXX XXXX, Massachusetts XXXX This debt is for {$240.00} Dollars! I know nothing about this account! My Identity was stolen and yes I did a police report about this matter. Can someone please look into this matter? Am tired of being harassed by this debt collector! This is showing on my XXXX  report.
Complaint sub-issue: Deposits and withdrawals

In late XX/XX/2022, my spouse mentioned to me that her account was getting a XXXX XXXX  monthly fee and it was eating up the little savings she had in the account. So on XX/XX/XXXX, I wrote a check from my account at Citibank to deposit in her account which is also at Citibank. I checked with her daily to make sure it had been deposited and today I found out the check had been returned and her account assessed a {$12.00} fee. When I asked about why the item was returned I was told initially that my account was frozen which turned out to me false. A second customer service representative then told me that I had not " activated '' my check book in order to write checks so any check I wrote would be rejected. I couldn't find any reference in my account agreement, online, or on my check books to any requirement to " activate '' my checkbook. I tried searching the citibank website and the web generally and only found ways to activate a debit card and complaints from other people about getting their checks returned and facing fees from other companies. On top of that, the customer service person I spoke to couldn't figure out how to activate my checkbook either. This seems to me to be a deceptive and or unfair practice under XXXX. After a third call I was able to get a rep to refund the fee on my wife 's account, this rep also had no idea about activating a check book. But could you imagine the headache of what would happen if you got that check rejected at a store? Well the complaints I found online certainly got to experience that. End of the day I had to waste a ton of time to get the refund and now I want to close my account. Oh but wait, I can't write checks still because no one can activate my checkbook. If I try to close my account Citi will take 15 days to send me a check. I tried to set up an online transfer out of the bank but I am limited in how much I can remove each month. So my money is stuck at Citibank for at least two weeks. The banks practices here need some scrutiny. They are harming consumers with this activation process that is not standard in banking and comes with no notice.
Complaint sub-issue: Reporting company used your report improperly

N accordance with fair credit reporting act XXXX account # XXXXXXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXXXXXX 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 604A, Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Personal information incorrect

The Credit Bureaus and XXXX are crossing my file with someone else. They have me listed as deceased. I am being denied credit every time i apply due to this error. I have disputed this error and sent my information to them showing that I am alive and well with my Driver 's license. However they continue to report me as deceased
Complaint sub-issue: Their investigation did not fix an error on your report

This request is in response to your tradeline listed on my personal consumer file related to potential negative debt ; referenced above. I am aware that your company has the ability/legal rights to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Unfortunately, the negative item is factually accurate, reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat. Not every merchant reports your credit activity the same way. Some lenders report to all three agencies ; some to just one. And because theres no legal obligation for merchants to report credit information, some never report your activity to any of them. Its completely voluntary. In addition, not every vendor do business on credit. For example, doctors dont typically report your payment activity to credit reporting agenciesunless they send your bill to a collection agency, at which point it will likely show up on your credit reports as an outstanding debt. There are laws, however, governing how your activity is reported. In 1970, the Fair Credit Reporting Act created a legal framework for credit reporting agencies and outlined the rights of consumers as wellincluding your right to a free copy of each of your three credit reports annually. Because credit reports can contain a lot of information, credit scores were developed to sum up the credit behavior reflected in credit reports with a convenient score. Above all, improving my overall credit worthiness is why I request a complete removal of your tradeline. In conclusion, thanks in advance for considering my request.
Complaint sub-issue: Debt is not yours

Grant and Weber has failed to validate this debt after requesting them to do so in writing through certified mail. they 've placed on my credit report. the amount is reporting as XXXX
Complaint sub-issue: Account information incorrect

I feel as the Equifax is intentionally trying to sabotage my credit profile. I have informed them on numerous occasions about the inaccurate information that they are reporting on my credit file and they have refused to remove this inaccurate information. I am gathering enough evidence to show Equifax malice intent. I have notified Equifax many times about their inaccurate reporting of my year of birth and they are reporting that i am 120 days late on an inaccurate reporting of child support. If I am 120 days late, then how is some of the reportings showing ok paid as agreed and then the following month it is 120 days late. This entire account is inaccurate.
Complaint sub-issue: Information belongs to someone else

Equifax had a data breach and my personal information was impacted.
Complaint sub-issue: Account information incorrect

I sent a certified handwritten letter asking for verification and validation of this debt from I.C Systems and have not received any response in over 30 days. I sent the certified letter on XX/XX/2018, section ( 609 ) of the Fair Credit Reporting Act states that I must receive a copy of the original creditor 's documentation showing proof this account is mine. I have not received a response therefore this account has not been verified and should be removed from my credit report immediately.
Complaint sub-issue: Report provided to employer without your written authorization

ON XX/XX/2018, EQUIFAX ALLOWED THEM TO PLACE DUPLICATED COOLECTION ACCOUNTS ON MY EQUIFAX CREDIT REPORTS. THE LISTING WAS IN THE NAME OF XXXX XXXX, WHEN IN FACT WAS XXXX XXXX. SEE ATTACHED. ALL PARTIES VIOLATORS OF THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. FOR ILLICIT COLLECTIONS
Complaint sub-issue: Account status incorrect

I filed bankruptcy and all debt was discharged and accounts should have been closed and removed from credit report. Items still show on credit report as open and delinquent. The account was actually closed XXXX of 2019 per XXXX XXXX and both Equifax and XXXX XXXX still have them listed on my credit report. I called XXXX XXXX XXXX XXXX to confirm account was closed and also tried to file a dispute with the credit bureau and nothing has been done.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, XXXX  account # XXXX XXXX XXXX  XXXX furnished by XXXX, XXXX, and Equifax has violated my rights per the fair credit reporting act code : 15 U.S.C 1681 section 602 A -states I have the right to privacy.

15 U.S.C 1681 section 604 A sec.2-also states any consumer reporting agency can not furnish a account without my written consent and instructions. According to the fair credit reporting act anything I feel is inaccurate, misleading, or arroynias being reported on my credit report can be disputed by the consumer to have any inaccurate, misleading, or arroynias deleted/ removed from credit report by the furnisher immediately.
Complaint sub-issue: Company closed your account

I have Citi XXXX Credit Card for more than 10  years. It is one of my starter credit card. However, Citi closed my XXXX Credit Card without notifying me via email nor phone call. Citi claimed there was a mail sent last XXXX but I have never really gotten one. The main request is that I still have lots XXXX points with this credit card and Citi refused to give my points to me after closing my credit card. My card number is XXXX.
Complaint sub-issue: Account status incorrect

Credit agency is reporting XXXX XXXX XXXX XXXX or XXXX as two months late for XX/XX/XXXX. XXXX was discharged in XX/XX/XXXX. Credit agency removed the debt in XX/XX/XXXX and added the debt back on to report in XX/XX/XXXX. I contacted CFPB in XX/XX/XXXXregarding this situation several times in XX/XX/XXXX and the reporting agencies made the changes, now it is being reported incorrectly again. XXXX was XXXX in my chp XXXX. I attached my full petition as proof in XX/XX/XXXX andXX/XX/XXXX of the discharge.
Complaint sub-issue: Deposits and withdrawals

Dear sirs, Need your help I had the following Two checks deposit into one foreign Trade company in XXXX, they assigned the name of accounts as beneficiary with East West Bank in XXXX XXXX, California ( details will advise per request ). 

Both checks already withdrawal from my equity loan account with East West Bank. 

Here are the details as below : XXXX XX/XX/22 - {$200000.00} XXXX XX/XX/22 - {$22000.00} Confirmed with East West Bank XXXX XXXX were completed. But the dealer- XXXX XXXX in XXXX just said they received both but want me to deposit {$46000.00} more. If not, the deposit money of {$220000.00} will lost. 

Also with the companys information they provided, after phone conversation with the company in XXXX, no such person in their company. 

In the meantime, I already informed East West Bank the mentioned issues and they just told me today they are unable to help. 

Please let me know what can I do to recovery the money, details as below : No Date Amount Bank XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX : US {$220000.00} For the questions that you may have, you can reach me at my cell # XXXX. 

Also, please do not let my husband XXXX XXXX know, he have severe XXXX now and I will do my best to find the solutions first. 

Your help will be truly appreciated. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

I have TCF checking account. The problem with it is twofold : ( A ) ATM Debit transactions are not posted on everyday bases. Instead, multiple transactions are grouped in clusters and posted every other day, or even, every third day. 

In such way, it is very inconvenient, almost impossible, for customers to balance account and monitor for potential fraudulent transactions. 

( B ) Multiple venders have exactly the same ATM / Debit Terminal / Authorization number. 

For example, XXXX store and XXXX XXXX store have exactly the same Terminal / Authorization number : XXXX. That is so regardless of the fact that both vendors are located approximately two miles apart from each other. 

I find that to be illogical from accounting point of view and thus confusing.
Complaint sub-issue: Was not notified of investigation status or results

I started disputing invalid information on my credit report on XX/XX/XXXX ; since that time, I have submitted a dispute again on XX/XX/XXXX, XX/XX/XXXX and again just on XX/XX/XXXX. Neither of these times so far, have ANY of the bureaus responded to my disputes to advise what steps their taking or that they're even taking any steps!
Complaint sub-issue: Deposits and withdrawals

XXXXMy Citi bank checking account and online access to my accounts and thus access to money that I own have been made inaccessible by Citi at least as far back as XX/XX/22. I have called Citi multiple times, and I have repeatedly jumped through all of their numerous verification hoops, and all they would tell me is that my account is " under review '' and that there may not be any further information information until XX/XX/22. Meanwhile, as far as I can see, Citi has stolen my money. I can not access funds I own, and the company Citi refuses to tell me what is going on. Is this legal?
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern, XXXX XXXX XXXX is reporting inaccurate information to my consumer report. They have been using obscene language and is damaging my reputation. They were never supposed to share my nonpublic information without it being clearly and conspicuously disclosed to me that it would be reported to a consumer reporting agency. They never gave me the opportunity pursuant to 15usc1681a ( 2 ) iii.
Complaint sub-issue: Information belongs to someone else

EQUIFAX IS ABSOLUTELY THE WORSTTTTTTT CREDIT REPORTING AGENCY I HAVE EVERRRR DEALT WITH AND I HOPE THEY CLOSE DOWN!!!! NOT ONLY DID THEY END UP WITH A DATA BREACH WITH EVERYONES SOCIALS AND INFORMATION, LEAKED OUT THEY HAVE THE AUDACITY TO NOT HELP YOU WITH AN IDENTITY THEFT ISSUE!!! ABSOLUTELY RIDICULOUS!!! I DISPUTED FRAUDULENT INQUIRIES OVER 50 TIMES WITH MY EXTENDED FRAUD ALERT, THE CREDITORS HAVE SENT MULTIPLE REQUESTS FOR REMOVAL OF THESE FRAUDULENT INQUIRIES AND THEY REFUSE TO REMOVE THE INQUIRIES. IM SICK AND TIRED OF REACHING OUT TO THEIR DEPARTMENT!
Complaint sub-issue: Account information incorrect

Attached you will see payments made to XXXX and the fact that XXXX reports this balance and account paid in full and/or as non-existence but it is on my credit report. I did not falter with our agreement, XXXX choose to close my account so I am not in violation at all. I never ported out my number and they are now telling me that they want all the money I paid all over again, yet the account does not exist, and it is on my credit report. Why would I pay XXXX twice just because they state I must. I will not pay them the moneys already paid, the tablet already traded in, and the monthly payments already made.
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 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: Need information about your loan balance or loan terms

On or about the 1st day of XXXX, XXXX, I began the process of " Payment is Pending Manual Review '' with Fed Loan serving regarding payments made during XXXX when I was under a different payment plan. I paid over the Standard Repayment plan and should be eligible for the TEPSLF expanded program. Now, over a year later, it is still showing under I have called several times in the last year to check the status of this manual review. I also completed a FOIA to the Federal Student Loan Government site and received record of those payments. I attempted to provide that information to My Fed Loans to expedite the process, and they did not want that information. Now, My Fed Loans is ending their contract with the government and PSLF program. If these payments are accepted, I will be finished with PSLF or the TEPSLF program sometime in the Summer XXXX. I am VERY concerned that with the new servicer, I will be unable to get a status check on this, and I will just have to continue making payments when I should be completed. 

Please help!