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 Account # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have a 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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

X/X/2017 learned that Equifax had a massive data breach that exposed name, DOB, address and SS numbers. Went to the company website to see if my data was stolen. The inquiry said it may have been compromised, the next link on the site was to get a free year of their data protection ( which is not nearly long enough ) but that did not tell me if my data was stolen, I have to wait 4 days to sign up and found out the terms included leaving to use arbitration instead of legal recourse in the court system. This is totally unacceptable, they should be required to let me know if my data was stolen.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still presenting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$95.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} Medical XXXX Balance : {$680.00}
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

This morning I received an email stating my credit card limit was cut to 20 % of the former limit. In the letter, I was told my decrease was due to decreases on my credit file - which was caused by the same credit card back in XXXX. 

The letter also included that I had too many inquiries on my credit report, which is related to the refinancing of my rental properties. 

I have not opened any new accounts and I have not missed any payments. When I called to ask for an explanation I was told there is no person I can speak with and there's no option to reconsider this decision.
Complaint sub-issue: Other problem

Citifinancial/Citibank Credit Cards During Covid Pandemic I wanted to lower my credit card balances on Credit Cards to improve my credit scores and utilization I paid a significant amount to my credit cards. I wanted to benefit from improved credit scores and refinance my house Citibank instead of allowing me to see the benefits of on time and lowering balances proceeded to reduce my credit limit and increase my credit card utilization which in turn impacts my credit scores. 

I requested Citibank to return my previous limits. They refused. I asked if I had chosen to repay another creditor would they have had to keep my higher limits. They confirmed they would have had no choice to keep my limits. I was penalized for repaying the wrong creditor to try and improve my score
Complaint sub-issue: Funds not received from closed account

I have had a closed account with this bank for over a year now and they refused to send me a check for my remaining balance and they dont have a branch in my state of residence.
Complaint sub-issue: Account information incorrect

Submitted a " dispute request '' concerning XXXX XXXX XXXX, XXXX. Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations ( 5 yrs ). 3 ) Requested collection agency/creditor removal for incorrect information. On XX/XX/2018 received email update concerning dispute result. XXXX XXXX XXXX XXXX remains on my credit report.
Complaint sub-issue: Information belongs to someone else

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title XXXX, XXXX Stat. XXXX XXXX 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Complaint sub-issue: Account status incorrect

I took a forbearance of my mortgage in XXXX and XXXX of 2020 due to being furloughed from my job. I was told by the agent from XXXX XXXX XXXX before accepting the forbearance that this would have no effect on my credit because I was current on my loan prior to taking forbearance. My house sold and the loan was paid in full on XX/XX/XXXX. I went to get another loan and found out my credit rating was 75 points lower than were it was prior. When I pulled my free credit reports I can see that XXXX XXXX XXXX reported me as LATE both XXXX and XXXX and I show 60 days late/delinquent for XXXX. Under the CARES act this account should have been reported as CURRENT not late and it should have no negative effect on my credit rating. Looking at my credit reports there is NO DOUBT that XXXX XXXX XXXX reported negatively. It's the only adverse account in my entire record. I would like this corrected immediately. I've tried to get XXXX XXXX XXXX to correct it and they refuse.
Complaint sub-issue: Account information incorrect

To Whom it may concern.
I requested proper verification for a debt being reported by XXXX XXXX XXXX on all 3 of my credit reports from all 3 credit reporting agencies. I sent my first submission XX/XX/XXXXto XXXX XXXX XXXX XXXX via certified mail ( tracking number XXXX, delivered XX/XX/XXXX ) requesting the proper documents they have on file to verify that this debt was mine, they in turn sent a response only stating they contacted the debt collection agency and its verified. No supporting documents, not even an updated credit report, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit file. I also sent the same letter to Equifax on XXXX/XXXX/XXXX via certified mail ( tracking number XXXX delivered XX/XX/XXXX) & XXXX on XXXX/XXXX/XXXX ( tracking number XXXX ). They also responded saying they contacted the debt collection agency and verified the account was mine but provided no proof of any documents they have on file as they are required by law as a credit reporting agency to have all documents that correspond to any debts being reported on an individuals credit report. So I sent another round of letters to all 3 credit reporting agencies again on XXXX XXXX ( XXXX  tracking : XXXXXXXX XXXX tracking : XXXX, Equifax:XXXX, all received XXXX & XXXX ). They again responded this time with updated credit reports but still none of the documents required for proper verification which they are required by law to have on file for each adverse account on an individuals credit report. I have asked and they have with responded without proper verification. I now ask for assistance in getting these credit reporting agencies to delete the adverse account ( XXXX XXXX XXXX for the amount of {$1800.00} ) off my credit reports because clearly they do not been have the proper verification requested since none has been provided to me on XXXX XXXX. Additionally in doing further research the company XXXX XXXX XXXX which is reporting a negative item on my credit report, is not even licensed in the state of NC to collect debt. Further contributing to the reason this negative item which has not been verified as required by law should be deleted expeditiously.
Complaint sub-issue: Received bad information about your loan

I co-signed a student loan almost 17 years ago for my oldest daughter. The terms of the loan clearly stated a 120 month re-payment schedule. Now 193 months later the AES is trying to get me to pay the loan, because they kept deferring payments and allowing the interest to accumulate to well over {$20000.00}. 
I have requested a co-signer release numerous times, but they keep denying it. 
Now they are harassing me about the payments, and have ruined my credit score. 
I went from an XXXX to a XXXX in 4 months because of them.
Complaint sub-issue: Old information reappears or never goes away

The credit bureau is reporting a closed account with XXXX XXXX XXXX XXXX that is over 7 years old.
Complaint sub-issue: Frequent or repeated calls

They call my house every hour starting at XXXX and quit at XXXX then they call my cell phone I have explained to them that my husband passed away on XXXX XXXX He worked in XXXX And did XXXX years in the XXXX Before we got Married we were Married XXXX years when he passed! It is taking time to find out if I even qualify for any spouse benefits from over there I am to young to collect benefits here I have to be XXXX i have XXXX years yet but calling me XXXX days a week XXXX times a day is n't going to get the XXXX government to do any of their decision any faster!
Complaint sub-issue: Other problem getting your report or credit score

PLEASE HELP ME! I am in the middle of a real estate transaction and my loan can't close because my lender is unable to obtain an Equifax credit profile. My other 2 scores are good and more than surpass the minimum thresh hold for the loan, but my lender says he needs to view the third report or else his underwriter will not allow the loan to close. The reason it is not accessible is because there is a security freeze on it. I have done everything in my power to gain access to my Equifax credit profile. I have sent out letters to the credit bureaus asking the freeze to be removed. I have gone online to attempt to have the freeze removed. My lender has called to do the same. I have even called and spent plenty of time attempting to have the freeze removed only to be told every single time that I didn't pass the security questions. 

I don't understand how I fail the security questions. I know my personal history better than ANYBODY. If the answers I'm providing do not match their records, it is because their records are faulty. How am I supposed to guess what they have in their records when they are not accurate? Regardless of anything else, I need to be able to access my Equifax profile. I have been trying to obtain it for months and I won't let Equifax prevent me from buying my home because they can't get their information right.
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. 

Account name : 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: Billing problem

On the evening of Friday, XX/XX/XXXX I decided to review all of my account statements from Regional Acceptance Corp to determine why my balance appeared to be high despite the additional payments I've been making since XXXX of this year. I found a few items that caused me a bit of alarm My account statements began reflecting a higher balance due in XXXX and have maintained the entire year. Instead of the {$390.00} car payment agreed to, I am consistently charged an unexplained additional cost of {$40.00} and the total amount due reflects {$820.00}. 

I found that I am being overcharged and my additional payments have not been applied to the principal as expected. This practice hurts me tremendously because I'm already paying high interest rates. It feels like I am caught in a web that makes it impossible for me to pay off my debt. 

It came to my attention that when I was making every effort to pay down my debt and sometimes making multiple payments my past due balance was increasing. I don't understand how that happens. 

My statement currently shows a past due amount though I am not past due and I've been charged late fees despite paying ahead of time this year. A request will be made to look into this issue as well as credit back the late fees and remove any inaccuracies. have written a letter that I will be mailing to Regional Acceptance Corp detailing my grievance. It will be attached with the other supporting documents.
Complaint sub-issue: Account status incorrect

I had a lease with  XXXX   XXXX   XXXX .   My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid to   XXXX   XXXX   XXXX   Since  insurance  company did n't pay in full initially,  XXXX   XXXX   XXXX  put a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with   XXXX   and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is erroneously reporting an account as delinquent. This account was paid in full and never late. Please see the enclosed documents. 

XXXX  XXXX XXXX XXXXXXXX not mine
Complaint sub-issue: Information is not mine

I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.
Complaint sub-issue: Their investigation did not fix an error on your report

EquifaxisincorrectlyreportingmeasanAuthorizedUseronXXXXpartialaccountnumberXXXX.(Pleaseseepage7oftheattachedcreditreport.)IcalledXXXXXXXXandletthemknowthatIdidnotgivepermissiontobeaddedasanAuthorizedUsertothisaccount.TheyremovedmeasanAuthorizedUseronXXXXandXXXXhoweverEquifaxhasnotremovedthisfrommyreport.Ihavecontactedthebureautofixthisissue.Thisnegativereportingisharmingmycreditscore.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, and then again on XX/XX/XXXX, a demand for validation was sent the company posted Certified Return Receipt Requested. Other than the Return Receipts there has been no response to date. 

Omega RMS, XXXX XXXX, MO. continues to verify to the XXXX Credit Bureau that the debt is valid. There is no agreement with my signature on this company 's letterhead. 

Additionally, on XX/XX/XXXX, and then again on XX/XX/XXXX, a demand of XXXX to provide a method of verification has been repeatedly ignored.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I submitted a written request to XXXX, XXXX, and Equifax asking that they remove the inaccurate addresses and jobs listed on my credit report. I also provided them with appropriate information which verifies my identity and also verifies my address. I also understand that XXXX, XXXX, and Equifax must contact me within 30 days to either notify me of the results of my request or provide me with an updated copy of my credit report. They have failed to do any of the above. Per the Fair Credit Report Act, ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' As reflected, XXXX, XXXX, and Equifax is reporting inaccurate information which is against the law. 

Please delete the following addresses and jobs as they are inaccurate : 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 Please list my address as the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please list my job as the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached all letter that were sent to Experian and also follow up letters that were sent to them as well with certified receipts. Please
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX has not properly investigated my consumer reports. pursuit 15 USC 1681 ( e ) investigative consumer report. They have caused me great harm as they have infringed upon my consumers right to Privacy. pursuit 15 U.S. Code 1681 ( a ) ( 4 )
Complaint sub-issue: Didn't receive terms that were advertised

This was resolved incorrectly on CFPB complaint # XXXX. They determined that my direct deposits came from another financial institution but this is a lie, my direct deposit posted on XX/XX/XXXX, {$1400.00} from my employer, not another institution, well within the 60 days as laid out in the terms. I am owed my {$200.00} sign up bonus. I will also be filing this new complaint with the Massachusetts Attorney General. 

To reiterate here is the original issue : I applied for a new checking account with Keybank on XX/XX/XXXX to pursue their {$200.00} new account sign up bonus. I used the promo code XXXX which was the offer at the time. I called the branch in XXXX CT the following day XX/XX/XXXX at XXXX and the man I spoke to confirmed that the offer was attached to my account and that I was eligible. I then proceeded to fulfill the bonus requirements. I had more than {$500.00} in direct deposit post to the account within 60 days. I completed this on XX/XX/XXXX ( 45 days ) had well over {$500.00} in direct deposit. I called XXXX on XX/XX/XXXX to ask about the bonus not posting and they claimed that there was no promo attached to my account and that the code I used was never a real code. This is untrue I got it from their website and it was in the fine print and everything. It has now been more than the 60 days from meeting the requirements when I was supposed to get the bonus and I have gotten nothing and been told I am out of luck. I was told I was eligible and enrolled in the promo when I opened the account but was lied to. The following was the URL I used to signup : https : XXXX? XXXX & XXXX I attached a screenshot of the signup details as I saw on the website.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and XXXX are reporting incorrectly a collection in the amount of {$2800.00} on the XXXX partial account number XXXX. ( Please see pages 27 and 28 of the  attached credit report. ) I purchased this equipment up front so my contract with XXXX should be on a month-to-month basis. I was transferred with my job and moved to a new location and I cancelled my account. XXXX has now sent me to collections for an amount that is totally unsubstantiated. I have contacted XXXX to obtain an itemization of expenses they allege I owe, but I have never gotten any response. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have been unsuccessful.
Complaint sub-issue: Information belongs to someone else

It's not my accounts, i was victim of identity theft, somebody stole my personal information.
Complaint sub-issue: Didn't receive terms that were advertised

I open an account in early XXXX under promotional terms for {$300.00} and fulfilled them. 

I waited a month and called to see why I didn't receive the promotional bonus and was told I was never allowed to because I wasn't a 'new customer ' citing a previous account I had closed more than 5 months prior. I pointed out that I satisfied the 3 obligations in the fine print - not a current signer, no closed account within 90 days, and haven't been paid a bonus in last 12 months. 

Then I was told that because I missed that previous promotion I wouldn't be able to participate in the current one - valid from XXXX to XX/XX/31. 

Although I disagreed with the customer service representative and asked for another person to review my account, she said that is the final.
Complaint sub-issue: Debt was paid

Professional Med Adj Bur is trying to collect a medical bill from me that I do not owe. I have told them that I had medicaid that paid for my prenatal care. I have even given them the medicaid number, to no avail.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THIS IS THE SECOND REQUEST TO REMOVE inquires on my report that I did not authorize. Please REMOVE/DELETE these inquiries IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX