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

YOU BROKE THE LAW Equifax Pursuant to

15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ). This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database. Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights. Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy. ( See attached documents ). Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation. Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i ) ( See attac
hed documents ).
Complaint sub-issue: Account information incorrect

On or about XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX is reporting inaccurate information to credit reports ( XXXX XXXX XXXX  equifax, for a car loan. The account was closed on XX/XX/XXXX and the balance is increasing as of XX/XX/XXXX while it was included in the Bankruptcy filing by XXXX XXXX XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX.
Complaint sub-issue: Debt is not yours

I had moved out and cancelled XXXX home internet service. Months later i find out i was sent to collections for not paying the bill at a place i did not live at after moving out
Complaint sub-issue: Account status incorrect

This account has been paid for and nobody wants to remove it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Complaint sub-issue: Can't close your account

A citi priority bank account was opened on my name. I would have to get that closed immediately. I was told there is an amount in the account. Around {$100.00}. I don't care what happens to the money. I just want the account closed and unlinked from me. That's all i want
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax dropped my credit score 96 points in one week using 6 changes as their reasoning. ( 1 ) change of address, been here 6 months ( 2 ) student loan balance increased {$97.00} in the last 12 months, probably interest on the deferred loan. ( 3 ) Fed student loan inquiry, yes they did inquire just as they do each time you get a student loan, but last year 's is still on there. ( 4 ) and ( 5 ) and ( 6 ) all have to do with having a high balance on my 2 credit cards. Total limit between the 2 cards is {$900.00} dollars of which I owe {$550.00}. I think this drop in my score which took me from fair to very poor was harsh considering I have no derogatory credit and have been working hard over the last year to build my credit. Always pay on payments early and more than minimum every month. The other 2 agency 's did drop my score but only 7 points.
Complaint sub-issue: Can't get other flexible options for repaying your loan

XX/XX/XXXX an Income Driven Plan was discussed and filed. Payments were dropping from {$860.00} to {$520.00} approx. 

XX/XX/XXXX, Called XXXX the website said I would hear back by XX/XX/XXXX, next day it said I would hear back by XX/XX/XXXX, then it said I would hear back by XX/XX/XXXX. I had not heard a word since XXXX XXXX. Agent on the phone said nothing had been processed ; could not find my info. He said he would do a temporary deferment and charge me {$5.00} to process my IDR and I would not be billed for XX/XX/XXXX/XX/XX/XXXX and would get my new payment billed by XXXX due date. 

XX/XX/XXXX I made the {$5.00} payment agent had asked for. 
XX/XX/XXXX I received a separate bill and paid ANOTHER {$5.00} for processing. 

XX/XX/XXXX I get a bill for {$890.00}. NO IDR INFO ON MY ACCOUNT OTHER THAN A RECEIPT OF FORM ON XX/XX/XXXX. 

XX/XX/XXXX I called again and was told to disregard the bill for {$890.00} that the IDR was processing with a rush status and I would get new bill in 48 hours. I asked for an email or letter stating that I was told to disregard this bill. XXXX said she would send me an email that day so I could prove our conversation. 

XX/XX/XXXX No email or info received from XXXX. I called again and the agent verified a rush was put on my account. He told me to wait until Monday, XX/XX/XXXX, and I would have my new payment bill. He said this would replace the XXXX bill for {$890.00}. 

XX/XX/XXXX, a week + 1 day later. Still no info from FedLoan.org. Called and finally got to an " escalated loan manager '', because they refuse to let us speak to management. She says the same story as the lies I lived thru the last 3 months. Now I wait another 48 hours for her to put a " rush status '' on processing my IDR. HOWEVER, she is forcing me to pay {$890.00} for the month of XXXX because it takes 2 billing cycles to process. I told her this will be the 4th billing cycle and they still haven't done their job to process my IDR so this is not my fault. She does not care, holding me responsible to pay {$890.00} until they decide to finalize my IDR. 

Hoping they won't lose the form, or fail to process it again, I am filing a complaint. I did inform her that I am one of the few who are honestly trying to repay my student loan. I had it on deferment last year due to a XXXX and now have been trying to get my payments finalized since XXXX. They are such a stressful agency, failing to do their job, taking 4 to 6 months to process ONE FORM!!! It is unbelievable our government agency for student loans would do this to people, much less adding stress for XXXX survivors. I indeed tried to get this finalized in XXXX to avoid such stress induced situations from their office Please help. I'm XXXX, recovering from a XXXX last year and trying to work when I can as well as pay my account. And employee # XXXX has the nerve to insinuate if I'm working then just pay the {$890.00}!!!! I do believe the agents handling my account are breaking consumer protection laws by their comments and reluctance to do their jobs and process things ... blaming it on the consumer, etc.
Complaint sub-issue: Account terms

This is a business dispute with XXXX. Not a credit issue. 
XXXX agreed to provide a working phone for a two year agreement. They handed me a phone with a bad hinge on it. It would cut out while listening. This was after XXXX mailed to me that could n't be activated. 
XXXX charged me {$35.00} cash, to turn in that broken phone. Thus causing the two year agreement to be moot. This is a rip off. XXXX, flat out, was n't willing to provide a working phone on this agreement. 
The bill they are trying to collect. 
{$35.00} charge for a 'free ' phone that I never actually got ( a working phone ). 
{$25.00} for the time It took for another phone company to pull the number. That closed my account. 
I have no intention of paying the {$35.00} of the {$60.00} bill for a 'free ' phone they never actually provided. 
The {$25.00} of the {$60.00} I consider paid when I turned in the broken phone and was manipulated into paying {$35.00} cash to do so. 
XXXX still owes me {$10.00}. 
XXXX has no right trying to collect {$60.00} from me. 
XXXX has no right to Slander me on my credit report.
Complaint sub-issue: Problem using a debit or ATM card

Hello USBank, Today, I'm submitting a complaint to the CFPB Portal to dispute many charges and request a new debit card. Most of these are charges I did not do. Current negative balance is $ XXXX, including overdraft fee ( s ). I've attached my ID, SSN Card, and proof of address. This is going to negatively affect my credit report if my account defaults, and I can't afford that. 

I would like these disputed, and a provisional credit rushed INCLUDING THE OVERDRAFT FEES REVERSED. 

Charge ( s ) w/ Dates Being Disputed : XX/XX/XXXX Overdraft Paid Fee {$36.00} times 4. 
XX/XX/XXXX Overdraft Paid Fee {$36.00} XX/XX/XXXX Overdraft Returned Fee {$36.00} times 2 XX/XX/XXXX Debit Purchase Ret - Visa XX/XX/XXXX card XXXX XXXX XXXX XXXX Tn {$400.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} XX/XX/XXXX Debit Purchase - Visa XX/XX/XXXX card XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Debit Purchase - XXXX XX/XX/XXXX card XXXX XXXX XXXX Wa ( XXXX ) XX/XX/XXXX Debit Purchase - XXXX XX/XX/XXXX card XXXX XXXX Wa ( XXXX ) XX/XX/XXXX Debit Purchase - Visa XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX XXXX Ga ( {$19.00} ) XX/XX/XXXX International Processing Fee XX/XX/XXXX card XXXX ( {$0.00} ) XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX ( {$2.00} ) XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX XXXX ( {$150.00} ) XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX ( XXXX ) Total Disputed Charges w/ Fees : {$940.00}
Complaint sub-issue: Information belongs to someone else

I am writing to delete the 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. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.
Complaint sub-issue: Reporting company used your report improperly

Credit Plus misused the access I gave them to my credit reports and over the course of 6 days managed to run my report on 3 additional days for a total of 6 inquiries than what was authorized throughout my home buying process. These excessive inquiries are preventing me from obtaining the credit needed to purchase a vehicle. The only AUTHORIZED inquires were from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. The following is a breakdown of the UNAUTHORIZED inquiries : XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX & XXXX & XXXX  XX/XX/XXXX XXXX After discovering the excessive inquires, I contacted Credit Plus and they provided no relief. I then received a copy of the authorization I signed with my lender which did not say that they would use my credit reports excessively. They did not address the fact that I was disputing inquiries that were not authorized. I am disappointed in the process for which they chose to use my authorized signature to retrieve my credit report on so many unneccessary occasions.
Complaint sub-issue: Their investigation did not fix an error on your report

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I also mailed in a copy of my drivers license, social security card, ftc report for th 10th time. Equifax recieved this information on XXXX usps Tracking Number : XXXX Everytime I send a dispute they keep giving me the run around requesting the same information. 

XXXX XXXX XXXX XXXX  Equifax has failed to send me method of verification. 
Equifax has failed to send me contracts with this company Equifax has failed to tell me when these accounts were open Equifax failed to properly verify these accounts belonged to me before placing these accounts on my report. 
I am uploading my profile directly from Equifax website
Complaint sub-issue: Trouble with how payments are being handled

I have been paying on a student loan since XXXX. My wife and I are both XXXX  in XXXX XXXX XXXX  from 27 years. ( I retired last year as a XXXX and went back to XXXX in another state ). The amount was originally I think around {$32000.00}, I have copied and pasted below what is currently on my servicer 's website and it goes backwards from current to XXXX. I have been making {$330.00} per month payments on this loan since XXXX and currently owe MORE money on it than I did when I started??? I don't understand why this loan is not paid off yet? When I've asked questions, I am told it's because it is not a direct loan so it can not be forgiven. I was told by the current servicer ( Nelnet ) that I would have to " first be consolidated into direct loans to qualify as it is a direct loan program. '' and that " unfortunatey if the loan would be transferred, you would have to start over and make ANOTHER 120 payments and work for ten MORE years!!! My wife is XXXX and I am XXXX. I am trying to understand how this could happen to us, could you provide us with any answers?? I feel that i have been a victim of some kind of predatory lending as my service transfers me to other companies all the time and then apparently I didn't realize I had to start over on the ten years? and it wasn't even my choice, they just transfer it. Please advise if you could help me in any way. 


XXXX XXXX XXXX ' XXXX XXXX and Below is my account information : Account : XXXX Current Balance : {$38000.00} Past Due Amount : {$0.00} Current Amount Due : {$330.00} Payment Amount : {$330.00} Due Date:XX/XX/XXXX Group : C Due Date : XX/XX/XXXX Fees : {$0.00} Status : REPAYMENT Interest Rate : 5.250 % Accrued Interest : {$15.00} Last Payment Received : {$110.00} on XX/XX/XXXX Outstanding Balance : {$13000.00} Principal Balance : {$13000.00} Loan : 3 Due Date : XX/XX/XXXX Loan Status : REPAYMENT Loan Type : CONSOLIDATION Interest Subsidy : Subsidized Original Loan Amount : {$19000.00} Interest Rate : 5.250 % Accrued Interest : {$15.00} Capitalized Interest : {$0.00} School Name : Lender Name : NELNET ACADEMIC LOAN Principal Balance : {$13000.00} Convert to Repayment : XX/XX/XXXX Disbursements : {$10000.00} on XX/XX/XXXX Disbursements : {$8500.00} on XX/XX/XXXX View Benefits Group : D Due Date : XX/XX/XXXX Fees : {$0.00} Status : REPAYMENT Interest Rate : 5.250 % Accrued Interest : {$29.00} Last Payment Received : {$210.00} on XX/XX/XXXX
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I called US Bank Visa credit card ending in XXXX requested a forbearance as I was impacted by the Corona virus and they denied my request and us Bank Visa Credit Card indicated that if I was 30 days late they would report it to the credit reporting companies
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX has violated my rights. On XX/XX/2021 there was an unauthorized inqui

ry. 1 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, I recently received an updated copy of my credit report dated XX/XX/2022 through my XXXX XXXX XXXX XXXX  and noticed 40 inquiries on each of my 3 bureau credit reports that I did not authorize or consented to which is a violation of my rights to privacy. These inquiries are highly injurious to my credit and my ability to borrow. Furthermore, I suspect that I'm a victim of some sort of Identity Theft due to the fact that I lost my wallet a couple of years ago at the XXXX XXXX here in XXXX NC. I contacted XXXX on XX/XX/2022 and informed them of my findings. I explained to the representative that I may be a victim of ID Theft. The Representative stated that I should file an FTC ID Theft Report and send that to all 3 bureaus including XXXX, Equifax, & XXXX which I did on XX/XX/2022. Please see a copy of this FTC ID Theft Report attached.
Complaint sub-issue: Reporting company used your report improperly

Due to the COVID-19 I have reached out to Nelnet student loan service to ask whats options I had in a assistance with financial stress. I was given the option to place my loan in forbearance for 90 days, which I opted to do. The company did not let me know that they would be placing a note on each credit reporting agency under their debt the consumer has been affected by a natural disaster in which has dropped my score by about 20 points on each. I asked to have this removed to no avail due to the negative effect is has had on my credit score.
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair Credit Reporting Act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX violated my privacy rights XXXX US DEPT. OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All of these consumers ave violated my right to privacy 15 U.S.C 1681 SECTION 602 A States I have the right to privacy.

15 U.S.C SECTION 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Funds not received from closed account

XX/XX/19 I had a direct deposit of $ XXXX deposited. 
XX/XX/19 the $ XXXX direct deposit was available in my checking account. Around XXXX I paid some Bill 's via ACH/account number. I attempted to pay a person/company I owed {$770.00} through XXXX. ( The bank policy says you can send up to $ XXXX per day ). The transfer deducted from my balance, but was pending. The transfer, a few minutes later, gets rejected. I then stop making attempts and log off. 
XX/XX/19 I log on to make sure the Bill 's I paid were deducted only to find my online access is locked, I call and phone access is locked as well. I can not reach anyone live so I call a local branch and the rep woman has an attitude and wont give any info on what's going on with the account. They never sent an email, voicemail, call, text alert, online notice or message and no written correspondence. 
XX/XX/19 all of the Bill 's I paid via ACH are returned NSF and I am charged {$35.00} fees on all of those Bill 's even though I had {$4000.00} available and did not go over paying the bills. 
They closed my account and never mailed me my {$4000.00}. I still have not gotten even a letter saying their intent to close my account or my money that was direct deposited.
Complaint sub-issue: Was not notified of investigation status or results

I have requested a method of verification from each credit bureau. Each time the credit bureau has neglected to provide me their method of verification. This is my third tie=me submitting a complaint and my FCRA rights are being violated as I have a right to the documentation they used or receive to verify this debt. They keep coming back with verified by the furnisher, how and what proof do you have or the furnisher that verify this debt as the court do not verify. These XXXX credit bureaus are playing games and is stalling, it took them over 30 days the firs time and again I asked for A15 day method of verification and still again nothing. Under FCRA Section 611 they have to provide their method of verification and you guys are keep closing my XXXX disputes. I want this public record DELETE NOW. I WILL SUE FOR WILLFUL NON-COMPLIANCE UNDER SECTION FCRA B 616. THIS IS MY THIRD XXXX DISPUTE AND THE CREDIT BUREAUS ARE IN VIOLATION. DO NOT CLOSE MY COMPLAINT UNTIL THIS ITEM IS REMOVED
Complaint sub-issue: Their investigation did not fix an error on your report

I was in a forbearance plan and had to make a certain amount of payment each month for 3 months. On the last month I put the payment on auto pay to make sure it would continue to pay after the three months. The autopayment did not take enough money out and the company reported me as delinquent. I called and they rectified the error and stated it was their mistake, the loans are now reporting 90 days past due one time and hurting mine and my cosigners credit significantly.