Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

To whom this may concern, Please note By law I can request information and debt validation on any account under FCRA 623. 

XXXX XXXX XXXX XXXX For starters, Great lakes sent me papers stating I owed an alleged debt which is a violation of 15 usc 1692b ( 2 ). Great lakes also stated that I signed papers.

Please provide me with an original copy of contract bearing my signature in wet ink to validate what you sent to the credit bureaus to " verify '' this information reporting on my credit report and in any system holding my consumer information. 

The above referenced account is on my credit report. Pursuant to 15 usc 1681a ( D ) ( ii ) ( ii ) ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I never gave you permission to furnish, sell or distribute my personal information on my credit report.

Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information are under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation of records. Failure to perform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance.
Complaint sub-issue: Reporting company used your report improperly

XXXX Account XXXX XXXX Account XXXX XXXX  Account XXXX XXXX XXXX  XXXX Account XXXX Account XXXX Account XXXX n 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: Information belongs to someone else

There have been multiple attempts to take action against the fraudulent accounts reported by the listed companies below. I have personally called and spoken with the companies to resolve this issue and no action has been taken. 

Please REMOVE all Unauthorized Accounts from my credit report : ACCOUNTS : XXXX XXXX XXXX ( XXXX ) -IQ DATA INTERNATIONAL ( XXXX ) -ORIGINAL CREDITOR ( XXXX ) THANK YOU FOR TAKING FORWARD ACTION ON THIS MATTER.
Complaint sub-issue: Billing problem

The response I received states that US Bank does n't have my loan. However, I received a letter in the mail, which indicates that US Bank will not provide a response, because the address on record is incorrect. This is extremely frustrating, as I clearly provided everything US Bank needed to respond to my complaint within my prior inquiry and received a push off. Again, I have detailed my concerns below and EXPECT TO RECEIVE A RESPONSE. I have NOW updated my address, therefore, US BANK is required to provide me a response. They hold the loan to my vehicle! I am also considering forwarding this matter to the appropriate regulatory bodies for escalation. 

I have attempted to obtain an understanding of the delinquent balance I owe, concerning my vehicle loan with US Bank, however, have had difficulty obtaining a clear distinction. I emailed US Bank requesting a complete payment history effective with the date I obtain the vehicle loan, as well as, an explanation as to how my payments have applied. The response I received was partially helpful, as the representative attempted to explain to me, when my grace period was, and the amount of the late charge I would receive if the payment is not remitted by the date due. I however did not receive a copy of my payment history to assess the application of my funds. When I responded, advising that the email did not convey any information I did n't already know, I requested supporting documentation to validate that fee 's are applied prior to the application of my payments towards ( P & I ). Again, I received a reply which did not provide me a copy of my payment history, rather I was advised I would be charged a {$25.00} fee to obtain a complete copy of my payment history. This is absurd to charge a consumer {$25.00} for a copy of there payment history when I am making an effort to understand the balance I owe, and resolve my delinquency. 

I have now went online, and was able to search the transaction history on my loan ( attached ) which revealed the application of my payments. Its absurd how the email response representatives, as referenced above, could nor provide me direction on how to obtain the transaction history online, rather reverted with illogical responses and went straight to charging me a fee to provide a copy of my payment history! 

I have been charged {$480.00} in late charges! Of this amount, I have paid ( estimated ) {$240.00} towards that balance! Based off my online account, my current past due balance is {$670.00}, which I believe consist of {$440.00} for the XX/XX/XXXX, 2017 monthly installment and remaining balance of {$230.00} late charges.
Complaint sub-issue: Charged too much interest

On XX/XX/XXXX, U.S. Bank charged my US Bank Cash + credit card account {$6.00} in monthly interest. I was puzzled, as I had held this card since XXXX with all monthly balances paid in full. The matter grew worse when I went online on the PC desktop website and was unable to edit the amount of the monthly auto-pay, which was locked to pay less than the full amount. When I called US Bank customer service earlier today, XX/XX/XXXX, I was kept on hold for an interminable time, and had to connect first with a CSR, then a banker, and finally website technical support who opened a ticket and promised I would hear back from them within a few days. It is illegal to charge someone interest against their will and the bank was unable to even identify the root cause issue, beyond promising to research. This matter needs to be promptly remediated and the bank punished for its lax financial controls impacting household income. It is entirely possible that this issue is not limited to a single account or household. I also want to make sure that the current interest amount is refunded in full and this issue is permanently corrected.
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, 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 instructionsI
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX 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 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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

I was recently affected by Equifax reporting wrong credit score is in the wrong account information on my consumer report. I recently received an adverse action for a consumer credit transaction. I am certain this information is why I didnt get approval for my consumer credit transaction and would like to submit a demand for removal, not an investigation dispute. Equifax violated my rights and privacy. I understand pursuing to 15 U.S.C 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Pursuing to 15 U.S.C 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I did not give written consent for Equifax to furnish a consumer report on me. They are violating 15 U.S.C 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. .Equifax is choosing to ignore the law and violate my federal consumer rights. Equifax is in significant violation of 15 U.S.C chapter 94 Privacy - Subchapter 2 - FRAUDULENT ACCESS TO FINANCIAL INFORMATION ( XXXX )
Complaint sub-issue: Account information incorrect

I have so many with a lot of dates starting back from XX/XX/XXXX till XX/XX/XXXX
Complaint sub-issue: Trouble with how payments are handled

I have been working in   XXXX   jobs for close to 4 years now. I have also been working to pay off my federal loan through th e Public Service Loan Forgiveness Program. I first  submitted 6 months cert ification ( out of 1 year employment )  to request credit for 6 months of payments and enrollment in the PSLF program. I initially was sent a letter saying the certification was valid and I would receive 6 months of credit for the one year I worked in my first   XXXX   job. I then transferred to another  XXXX  agency where I have been for almost 3 years. In those nearly 3 years, I have submitted yearly certification to show I am in the PSLF program, making on time Income Based payments and working toward the 10 years of service and payments before loan forgiveness. The Fed Loan company ( My Fed Loan ) routinely does not recognize these certifications, or says I have not submitted them, and does not accurately reflect the over three and a half years of payments that I have made in the PSLF program. I am concerned that they are not honoring the work I am doing or the payments I am making. I again submitted another certification this month, to which they responded that they had not received anything and to please re-certify every year. It is a pattern that they continue to exhibit which shows to me that the PSLF program is not being run properly. I also do n't make very much money and the payments they are taking are nearly 1/4 of my total income. I am struggling to adjust to their most recent increase from {$490.00} to {$700.00}. I am a single parent putting a child through college and working in a relatively low paying public service job. Any assistance the CFPB can provide to remedy these issues would be appreciated.
Complaint sub-issue: Information belongs to someone else

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Accounts XXXX. XXXX XXXX XXXX XXXX of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX XXXX XXXX XXXX of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXXXXXX XXXX XXXX  XXXX XXXX inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX Account Number # XXXX
Complaint sub-issue: Information belongs to someone else

I have tried to delete fraudulent accounts from my Equifax report several times and they are not coming off. 

XXXX XXXX XXXX XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities. 

XXXX XXXX XXXX XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities. 

XXXX XXXX XXXX XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities. 

XXXX XXXX XXXX. XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.
Complaint sub-issue: Information is missing that should be on the report

I did pay for all three reporting agencies, but once I reached XXXX I dropped XXXX and Equifax and just kept XXXX. Then XXXX of my accounts closed, and they said it was because of my credit score. So, I opened XXXX and Equifax up and saw that they were reporting my scores as XXXX, Equifax- XXXX XXXX and XXXX. I thought that this was odd because I monitored XXXX at least XXXX times a week, and it never fell below XXXX, and at present it is XXXX. The only reason could be that XXXX and Equifax were changing the XXXX score on their own and not reporting the actual score for XXXX. Then I called XXXX, and they told me that they could do that and that there was nothing wrong in doing it. That meant that Equifax was not checking XXXX either when I ordered my three reports, so they are just as guilty in reporting false scores. Then, when I ask to speak to a superior, XXXX told me that they were not going to change it. This has caused me to lose my XXXX account and my XXXX account, and has dropped my credit score and caused me to be denied for credit cards. This has really damage my credit.
Complaint sub-issue: Debt was result of identity theft

This account does not belong to me. I have disputed it more than once it has cost me a lot of issues. I have not been able to properly care for my son. I have attached my id theft report below.
Complaint sub-issue: Their investigation did not fix an error on your report

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. There collection companies do not have a contact with my signature.
Complaint sub-issue: Information belongs to someone else

In this CFPB complaint, XXXX XXXX is requesting once more that the credit reporting agencies remove the challenged fraudulent accounts that are still shown on my credit record. According to Fair Credit Reporting Act Section 605b, the Credit Reporting Agencies are required to erase any accounts and information that were the result of identity theft. I was a victim of identity theft once more, and I'm requesting once more to have information gained through identity theft deleted from my credit report. In line with FCRA 605B ( 15 U.S.C. 1681c-2 ), any accounts must be deleted no later than four business days after XX/XX/XXXX. I had shared this report in my previous letter, and I'm publishing it again. I have my questions regarding the veracity of the information you provided on several accounts because I am UNKNOWN to you and REMOVED from other bureaus. My credit report should be cleared of the following accounts : XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXXXXXX Date AssignedXXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00}. Despite their inability to send me copies of the proof of verification from their investigation, the Credit Bureaus kept the disputed accounts on my Credit File! Since the Credit Bureaus ' actions violated a consumer 's FCRA rights, the accounts should be immediately terminated.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have no clue who SageStream is and their inaccurately reporting my credit score to companies.
Complaint sub-issue: Didn't receive notice of right to dispute

On or about XX/XX/XXXX I transfer my phone numbers from XXXX to XXXX. Before I did this I call many times telling them I was getting more drop calls than finish calls, They chose to do nothing to help the problem. They will not trouble shoot my phones. Due to my job I needed reliable service so I cancel with XXXX. So on XX/XX/XXXX over 3 years of canceling service there collection company Jefferson Capital System reported it to all 3 credit bureau. This should of been done 3 years ago. I am going to look into legal action on both XXXX and Jefferson Capital System if not removed from my credit recorder. Neither XXXX or Jefferson ever contacted me before they took this action!
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!
Complaint sub-issue: Information belongs to someone else

THIS COMPANY IS A PIECE OF XXXX FROM XXXX TO XXXX I WAS IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAD THIS COMPANY IS MARKING MY PAYMENTS LATE WHEN THEY KNEW I WAS AFFEECTED DIRECTLY BY PANDEMEIC I DEMAND THESE ITEMS REPAIRED XX/XX/21 AND XX/XX/21 THESE PAYMENTS WERE AFFECTED BY PANDEMIC I SENT PROOF OF HOSPITALIZATION AND I SENT PROOF THAT I COULD NOT POSSIBLEY SPEAK OR WALK OR WORK IN ADDITION I PAID XXXX SO THESE IDIOTS NEED TO FIX IT THIS IS MY XXXX TIME COMPLAINING THEY IGNORE YOU AND THEY IGNORE ME I AM FINDING AN ATTORNEY TO SUE XXXX THEY ARE ALL FOREIGNERS AND DO NOT CARE ABOUT CONSUMERS. THIS COMPANY IS FRAUDULENT IN ITS PRACTICIES AND NEEDS TO BE HELD ACCOUNTABLE. I DEMAND MY CREDIT REPORT FIXED THE CREDIT CARE ACT SAYS I CAN NOT BE PUNISHED FOR BEING SICK REMOVE ALL NEGS NOW ITS SUPPOSE TO REPORT ON TIME AS REQUIRED BY CARE ACT
Complaint sub-issue: Debt was result of identity theft

Previously, I noticed the CFPB of my ongoing difficulties to receive prompt identity theft transactions refund payments from with Citibank , N.A . in connection to the CFPB closed Complaint No. XXXX. However, I am requesting The closed complaint to be reactivated or re-opened by the CFPB because Citibank , N.A . failed to timely reimburse me for those Identity Theft unauthorized transactions taken against my cash on deposit at Citibank or Citibank , N.A . from on or about XX/XX/XXXX through XX/XX/XXXX. In lieu of timely refunding me for my unexpected financial losses, Citibank , N.A . closed my interest checking account and other savings account products. However, federal law required Citibank , N.A . to timely refund me for those losses taken against me specific to me being a victim of known identity theft. It is unfair and deceptive business practices for Citibank , N.A . to advertise the VISA {$0.00} liability program for unauthorized Visa debit transactions and also illegal of Citibank , N.A . to disregard federal law. 

Citibank , N.A . Is aware of my past due refund in the amount of {$31000.00}, plus applicable interest ; but Citibank , N.A . replied to the original CFPB complaint and then closed my personal checking account and personal savings accounts in lieu of furnishing amounts due to me. 

I am requesting the CFPB investigate my original and second complaints about Citibank, N.A.s illegal activities made towards me in lieu of the CFPB traditional complaint hand off back to Citibank , N.A . I continue without my past due refund because the CFPB failed to investigate my original complaint, and or the CFPB failed to oversee my identity theft losses were refunded to me by Citibank , N.A . 

To say the least, the CFPB inadequacies in handling my identity theft refund complaint is disheartening to me as a banking consumer.