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 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 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 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 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: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX 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 XXXX 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 XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Complaint sub-issue: Their investigation did not fix an error on your report

OnXX/XX/2021, Isent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account terms

I checked my credit report it let me know that I owe XXXX XXXX dollars I did n't understand why because I did n't have XXXX before my first time I open a XXXX contact was XX/XX/2016 and I 'm currently with them now as my phone company
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Complaint sub-issue: Received bad information about your loan

Loans transferred from XXXX to MOHELA. I qualify for PSLF and submitted for forgiveness under my waiver originally to fedloanand now it is with MOHELA. I have talked to two representatives, the first telling me that I should see an account update in 10 days, that was in XX/XX/2022. Then I got a motivation that I would have an update in mid to late XXXX without an update. I am missing counts from XXXX. I have submitted nimeroues account messages which are supposed to have a 3 business day response without response. I have been on hold for the ombudsman for hours without them answering. I have faxed a formal letter per the online instructions several weeks ago. I have filed 2 complaints with Dept of Ed ombudsman, who were supposed to call back but never did. Not sure how I can resolve this issue since no one responds.
Complaint sub-issue: Was not notified of investigation status or results

I mailed letters to all XXXX credit reporting agencies ( XXXX, Equifax, and XXXX ) on XX/XX/2021 and have yet received any correspondence regarding the status of investigation and/or results of my disputes. It has been 35 days and I still have no correspondence. 

I also mailed XXXX, Equifax, and XXXX  a second follow up letter demanding a reesponse since it was after 30 Days on XXXX XXXX and still have not had any correspondence. 

This is a violation of my rights under FCRA.
Complaint sub-issue: Overdrafts and overdraft fees

Transactions will disappear from my pending list and I will spend money that according to the bank says I have. Sometimes I forget a transaction here or there, so I rely on my online banking. Then, days later charges will reappear and post and send me into an overdraft. This has been a common occurance for months now and the bank refuses to acknowledge their role in this, making me pay huge amounts in fees.
Complaint sub-issue: Account information incorrect

According to the 15 U.S. Code 1681- Congressional findings and statement of purpose, Consumer reporting agency Equifax have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

I have never given permission or consent. Because of Equifax taking it upon themselves to assume this role, my privacy has been breached numerous times over the years, information has been reported incorrectly countless times and this in turn has had a negative impact on my credit score and me personally consenting to doing business with various companies.
Complaint sub-issue: Information belongs to someone else

I have never had a vehicle loan from this company! they have the wrong person ( identity theft ) XXXX
Complaint sub-issue: Debt is not yours

I do not owe any money - theya re form XXXX or XXXX - the calls come from XXXX - all times of day - leave messages - rude
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX, XXXX, XXXX Equifax are all reporting late payments from XXXX XXXX bank on dates XX/XX/20, XXXX XXXX on dates XXXX, and XXXX XXXXXXXX XXXX on dates XXXX. This is a clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The law clearly states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 
Futhermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : the term " consumer report '' does not Include report containing information solely as to transactions or experiences between the consumer and the person making the report. These companies are clearly violating my rights as a consumer.
Complaint sub-issue: Debt resulted from identity theft

On XXXX/XXXX/XXXX I received XXXX debt collection letters from ERC regarding XXXX debts to XXXX XXXX, XXXX. XXXX in the amount of {$990.00} and XXXX in the amount of {$760.00}. I received another collection letter from ERC on the XXXX/XXXX/XXXX for another debt in the amount of {$260.00}. I do not owe these debts. 

I have already sent, submitted a proof of ID to XXXX last year regarding another debt.
Complaint sub-issue: Information belongs to someone else

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  - XXXX XXXX Inquired on XX/XX/XXXX ;
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks, XXXX
Complaint sub-issue: Account terms

I tried disputing incorrect balances, date of last activity, date of last payment, date reported, status and etc but the always referred to the actual companies. 
After speaking with the companies such as XXXX, XXXX XXXX the issues have yet to be resolved after multiple attempts. Please see my Equifax report dated XX/XX/2017 for support documentation. 

XXXX 's past due amount, actual amount, status, date of last activity, date of last payment and balance are all incorrect. Nor have the creditor reported for XX/XX/XXXX and XX/XX/XXXX on Equifax and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on XXXX. 

XXXX XXXX 's balance, date of last activity and date of last payment are all incorrect.
Complaint sub-issue: Account information incorrect

Complaint ; Debt Validation Request and demand to remove false and derogatory information from my credit report I discovered that Equifax did not removed alleged delinquent account reported under XXXX XXXX XXXX XXXX XXXX name. 
While Credit Reporting Agencies typically not subject to Fair Debt Collection Practices Act, but then they act to create an appearance of legit debt they becoming a part of collection team, thus liable for reporting false information in violation of FCRA and FDCPA. 
I dispute and demand Equifax to perform investigation of account number ending XXXX which is falsely reported as delinquent and immediately remove this false and derogatory information from my credit report. 
I demand a respond from Equifaxs employee how and based on which material evidence Equfax determined that this account is delinquent and why Equifax decided that this account has any relationship to XXXX? 
I have sent many previous letters to you, all by filing complaints with CFPB, and requesting that you remove inaccurate information from my file and you have failed to do so. 
Accordingly, I prepared to file a massive legal action in Federal Court where can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous demands stated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 

Also, I noted numerous " soft inquiries '' on my credit report, including Equifax 's inquiries under XXXX abbreviation. Please state that this abbreviation stands for and who authorized to place these " soft inquiries '' on my report? 
I anticipate your response.
Complaint sub-issue: Attempted to collect wrong amount

I never had this conversation. I never authorized this payment. I cancelled it just by chance seeing that it would have been taken out of my bank account. My wages are already garnished. They have sued me, garnished my wages, harassed me at work, etc. It never ends. I have paid XXXX + on these loans. With interest the way it is I will never pay them off. It has affected my credit score, ability to buy a home, afford a car, afford to rent. Enclosed is the email I got today. Again, this conversation never took place. 
" Dear XXXX : During our telephone conversation on XX/XX/2021, you authorized us to make a one-time debit from the checking/savings account below to pay your student loans. 

Payment Details Borrower Name : XXXX XXXX XXXX Payment Amount : {$86.00} Payment Date : XX/XX/2021 Checking/Savings Account : XXXX Primary Name on Checking/Savings Account : XXXX XXXX XXXX Confirmation Number : XXXX Please retain your Confirmation Number as receipt of payment. 

The Payment Date above is the date on which we will apply the payment to your student loans. However, please allow up to 3 additional business days for the payment to be posted to your loan account and debited from your bank account. 

PLEASE NOTE : Your telephone authorization does not permit us to make any debits other than this one-time request. It remains your responsibility to make payments according to the terms and conditions of your promissory notes. 

QUESTIONS? 
If you need further assistance, please visit http : //www.aessuccess.org/contact/index.shtml and choose a contact option. If you prefer to email us, the best course of action is to sign in to Account Access and submit your email using the " Contact Us '' feature.

=============================================================== Do not reply to this email. If you have questions regarding this email, please contact our technical support staff at XXXX. 

This email contains privileged and confidential information intended for the above addressee only. If you received this email in error, please delete or destroy this email and/or attachments. 

AES will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this email.<p style= '' text-align : left ; '' >NMLS # XXXX <a href= '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX =============================================================== ====================================================================== The information transmitted is intended only for the person or entity to whom it is addressed and may contain confidential material. Any use of this information other than by the intended recipient is prohibited. If you receive this message in error, please send a reply e-mail to the sender and delete the material from any and all computers. 

Code : PHEAA ''
Complaint sub-issue: Reporting company used your report improperly

This concerns the very recent Equifax breach. Using a tool on their site, they stated to me that they believe my information has been compromised and I fear that my SSN, date of birth, and other personal details are now essentially public information. I am disappointed and afraid that Equifax has lost my information to outside parties due to this breach.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/XXXX, I received a promotional email from Discover Card with the subject " Join XXXXXXXX XXXX XXXX this holiday, Get {$45.00} back ''. I read through the email and clicked on the link to activate the promotion. I purchased my XXXXXXXX XXXX XXXXXXXX membership, using my Discover card and following all instructions in the email and in the terms and conditions, on XX/XX/XXXX. The terms and conditions stated that " Offer fulfilled as a statement credit within three billing cycles after the end of the promotion. '' After waiting three billing cycles as mentioned in the terms, I contacted Discover Customer Support on XX/XX/XXXX to inquire about where my statement credit is. The representative I spoke to informed me that I should indeed have received a statement credit, and that he would escalate the issue, it would be investigated and that I would receive a call back within one week. A month later, on XX/XX/XXXX, I still had not received a call back. I contacted Customer Support again to follow up and was informed that, " the promotion is handled by corporate, and that there was nothing they could do to help me ''. When I asked if I could get contact information for whoever was needed to resolve the issue, I was told there was no public contact information and that there was nothing further they could do. 

In summary, I activated an offer and purchased a XXXX XXXX XXXXXXXX membership within the allotted time and while following all published terms and conditions but was denied the promised statement credit.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX Account Number : XXXX This is a charge off account why is it showing on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report. 

XXXX. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$540.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX This is a charge off account why is it showing a still on my credit report, This is seriously damaging my credit scores. Please delete this inaccurate XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported w/o valid evidence
Complaint sub-issue: Information is missing that should be on the report

I purchased a car in XX/XX/XXXX for approx {$12000.00}. I have a loan through my bank, XXXX XXXX XXXX XXXX, and I have been making on time payments for two years. This is not reflecting on my credit report. I have dealt with my bank for the past 6 months, at which they are telling me it is out of their hands, and has to do with the Credit Bureaus. I contacted Equifax and I was told it was my banks fault. My bank tried contacting Equifiax, and they said they are unresponsive. I have worked very hard to have this loan and build credit. I have invested a lot of my time and energy into addressing this matter, and after a year of not getting anywhere I am now seeking other methods of help to get my loan to show on my credit report.
Complaint sub-issue: Debt is not yours

as i obtained a copy of my credit i notice accounts that was n't mine. I reached out to XXXX to dispute the accounts. later to find out that XXXX sold the account to two different collection agencies ( which both is reporting to my credit for the same thing one is just {$1.00} more ). I disputed the accounts with XXXX XXXX and Enhanced Recovery Corp ( which is the two companies ) but it has not been removed from my file. This has been going on for months and the credit bureau has yet to correct my file.