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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX - Account # XXXX - Amount {$5900.00} XXXX - Account # XXXX - Amount {$0.00} XXXX XXXX  - Account # XXXX - Amount {$0.00} XXXX XXXX - Account # XXXX - Amount {$0.00} XXXX Bank XXXX Account # XXXX - Amount {$0.00} XXXX - Account # XXXX - Amount {$1500.00} XXXX XXXX- Account # XXXX - Amount {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX - Amount {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX - Amount {$0.00} XXXX Account # XXXX - Amount {$0.00} DEPTEDXXXX - Account # XXXX - Amount {$8200.00} DEPTEDXXXX XXXX Account # XXXX - Amount {$3500.00} DEPTEDXXXX - Account # XXXX - Amount {$8600.00} DEPTEDXXXX - Account # XXXX - Amount {$3900.00} USDOEXXXX - Account # XXXX - Amount {$0.00} has violated my rights. 

15 U.S.C 1681 section 604 A, states I have rights 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: Overcharged for something you did purchase with the card

I was closing my account at a XXXX balance. They debited a purchase which was corrected as a mistake. They refuse to correct this as only one item was purchased in XXXX of XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Below are the inaccurate accounts from my credit report : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not have association, credit, or loans with this creditor. This was not approved and or authorized. 

WEIMARK Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I have tried repeatedly tried to have fraudulent Items removed from my Equifax report since XX/XX/2019. Initially there was 9 credit cards and inquiries that were all identity theft. I sent Equifax as they requested a police report and affidavit reporting the fraud on my report and asked them to block the information immediately. It is now 3 months later and they have removed all but 4 credit cards. 
1.XXXX XXXX 2.XXXX 3XXXX 4.XXXX/XXXX  I have talked to each credit card company and they have since stop reporting the items on all of my other credit reports. Somehow Equifax removed all but 4 of the items stating I needed a new police report. I sent in a new police report and they are still refusing to remove the items.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and 143 million others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing parties ( that THEY have injured ) up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach as well as paying restitution to those injured by this event. The negligent loss of personal information of hundreds of millions of consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Complaint sub-issue: Account information incorrect

On XXXX of 2018 XXXX XXXX XXXX reported to the 3 credit bureaus XXXX  Experian and Equifax that my payment was late when it was their automated system that was not functioning properly and received my account number incorrectly. I have made multiple requests to resolve this matter but XXXX- XXXX XXXX  does not have a direct number to speak to a live agent. They are systematically ruining my credit history and I am pleading for help.
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX OF XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS XXXX, XXXX. HAS VIOLATED MY RIGHTS.

-15 U.S.C. SECTION 602 A STATES I HAVE THE RIGHTS TO PRIVACY -15 U.S.C. SECTION 602 A SECTION 21 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Complaint sub-issue: Trouble with how payments are handled

I am currently in XXXX. There are XXXX different companies servicing my student loans. AES does not have a record of me still being in school. The other companies have records and have me listed in deferment. AES has my graduation date on file, but no records of me still being in school. They told me it was my problem and up to me to provide proof ( from my registrar ) that I was in school. How is it that XXXX company ca n't figure out that I 'm still in school, but the other XXXX can?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a loan account under a open end consumer credit plan as late for any purpose
Complaint sub-issue: Other problem getting your report or credit score

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Complaint sub-issue: Personal information incorrect

I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. 
The following accounts need to be deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Was not notified of investigation status or results

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with NELNET LOAN SERVICES. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and NELNET LOAN SERVICES with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 120-149 Days Late in XXXX, XXXX, XXXX, and XX/XX/2019 2019
Complaint sub-issue: Confusing or missing disclosures

I have a 25 % -35 % personal loan with Lending Club out of XXXX XXXX, Ca. I took out a loan in XX/XX/XXXX. I took out another loan in XX/XX/XXXX. I was unaware that the New York state law allowed only a 16 % interest rate or less on personal loans from financial institutions. I sent a written request to Lending Club and was told that they loaned me this amount based on what the federal government allows. No specific comment was given why they gave a rate much higher than what NY state allows. Please send me information on how I can proceed with this lender since it appears the company is operating without regard to usury laws in New York State. 
Referenced law in NY : https : //www.dfs.ny.gov/XXXX Note : Attachment only contains one loan image since Lending Club has blocked access to the other loan. Both loans are over 25 %
Complaint sub-issue: Information belongs to someone else

I contacted all 3 credit bureaus a few months ago and requested that the incorrect information be removed from my credit report immediately but they never removed the items
Complaint sub-issue: Account status

I settled a deb with XXXX XXXX XXXX XXXX XXXX in XXXX 2014. They reported this to the credit reporting agencies. Both XXXX and Equifax do not have updated information on this debt, which should be noted as " legally paid for less than the full amount, settled '' to be fully FCRA compliant, and this should be dated from the time the debt was settled : XXXX 2014. Instead, this shows 'charged off ' and this is showing up as a charge off on successive months on my credit report.
Complaint sub-issue: Information belongs to someone else

Equifax is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX has received years of payments and has not reported them. When I called they said they had no history of an account for me. However they continue to report derogatory information on my report. I am not sure where the money went so I stopped paying it but at this point I will like it to reflect my payment and remove the negative information. I have proof of payments also.
Complaint sub-issue: Information belongs to someone else

I went to my bank to get a home loan and and the lady at the bank told me I was not approved. At that time I wasn't sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I don't know where they came from please remove them as well XXXX  XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX  . I have reached out to the FTC and my local police and I am doing this on my own behalf.
Complaint sub-issue: Their investigation did not fix an error on your report

My information was exposed by the Equifax data breach and items are still being reported on my reports
Complaint sub-issue: Didn't receive notice of right to dispute

Today, a collection agency named IC System just reported a {$550.00} collection account on my credit report. According to the Fair Debt Collection Practices Act, they are supposed to notify me of a possible debt, and give me 30 days to answer to it, before they report it on my credit report. I was not given that opportunity, otherwise I would have certainly contested it, because I have no outstanding debt.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX Balance : {$1500.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information. 

XXXX XXXX Balance : {$0.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this. 

XX/XX/XXXXXXXX Balance : {$0.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account.
Complaint sub-issue: Report improperly shared by CRC

I received a notice from XXXX that XXXX XXXX Banking at XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX inquired on my credit report on XX/XX/XXXX however, I never granted them permission. This shows as a soft pull but I still feel it 's a violation. They were included in a Chapter XXXX BK I filed in XX/XX/XXXX and feel that they are " checking up '' on me. They were very nasty to me when they found out I filed Chapter XXXX back in XX/XX/XXXX and I am positive I have not given them permission for any credit pulls since then.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX did run my credit more than 3 or 4 times or more. They told me that they will only run credit on XXXX but now I have an extra inquiry in XXXX & Equifax dated XX/XX/2021 Please have XXXX XXXX to send a letter to them ( XXXX & Equifax to remove both inquiries. My credit decreased & this is affecting my credit report.
Complaint sub-issue: Attempted to collect wrong amount

Hunter Warfield has a very unique style of harassment. They increase the amount of collection balance by only $ XXXX and report the new amount every month. So every month my credit score is injured by the fresh bad collection activity. They also call 4-5 times a day despite my telling them not to. The apartment building that charged me for paint an carpet are criminals themselves, I had reported the maintenance issues three times over the year I lived there. I am not paying the landlord for work that they should have fixed while I lived there and now they have Hunter Warfield trying to collect and hurting my credit monthly. This is a three year old claim!
Complaint sub-issue: Other problem

I have a credit card with Discover. I applied for an additional credit card they offer and they responded by lowering my credit limit asserting I had a delinquency and a high balance.. I have made my payments on time and not provided any other reason for reducing my credit limit, other than applying for another credit card. I am a single woman, head of household and I believe this action by Discover is discriminatory and retaliation for my seeking a credit card. 
I want my credit limit restored. 
Thank you. 
XXXX XXXX
Complaint sub-issue: Information is not mine

I recenty obtained a copy of my credit report that I dispute Inquiries and Public information. There was unauthorized inquiry made by XXXX company. XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. Rate Genius Date XX/XX/2016. XXXX. Equifax Mortgage Services Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX CREDIT LLC Date XX/XX/XXXX. XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX Date XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX. Tax Lien XXXX XXXX/XXXX/XXXX. XXXX. Chapter XXXX Bankruptcy XXXX XXXX/XXXX/XXXX. XXXX. Tax Lien XXXX XX/XX/XXXX. XXXX. Tax Lien XXXX XX/XX/XXXX. XXXX. Judgment XXXX XX/XX/XXXX I have disputed XXXX time with them to remove or deleted. The company said they validating credit. This has made my XXXX score drop.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Complaint sub-issue: Threatened to sue you for very old debt

Today at  XXXX  I recieved a phone call from a courier service looking to serve me with documents. When I inquired about these documents they gave me a phone number and a reference number as I did not recognize the company they were delivering the documents for. They have claimed to have attempted to deliver these so-called documents to three different addresses I have lived at, one which I currently reside in and no such company has ever rang our bell.
I called the number and spoke with a man. I gave him the reference number and he proceeded to confirm my identity and said that I was being sued by US Bank for an amount that would eventually total {$4200.00} from an old checking account that had been overdrafted and was never paid off.
It was  XXXX  when this happened and my father and I had gone into the bank to resolve the matter. It had been a bank error in which they had applied numerous overdraft fees all at once due to an error in their computer. The teller confirmed this over the phone with a corporate person, as it had happened to another customer. She then removed all of the fees with this exception of a few, my father and I paid what was owed, and the account was closed.
The man on the phone from the debt collector said I committed a federal crime. That is against the law for them to say that to me. He then proceeded to harass me about my credit score that he has supossedly looked up and then was harassing me about a student loan I am paying off. He continued to badger me and said that I better get an attorney or I would end up in a federal prison. I am scared that this might actually be legit but I do not think it is and I am worried that they are trying to scam me. I am  XXXX  and on a low-income. This matter is also considered to be past the statue of limitations here in ohio as the account was from  XXXX  and it is now  XXXX .
Complaint sub-issue: Their investigation did not fix an error on your report

i obtained a copy of my credit report and seen erroneous information. so i proceeded to challenge the validity of the information. i have not received any information of investigations from the credit bureaus or the collection agencys reporting these debts. they are not abiding by the law and this kind of behavior is unacceptable. i can not obtain a job or take care of myself or my family because of the false and misleading information placed upon my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Not my inquires
Complaint sub-issue: Account status incorrect

Per the attached credit report, XXXX XXXX XXXX is claiming that the debt is an active trade line. In order to be an active trade line, ownership rights need to be proven per the FCRA 15 USC 1681. Based on the prior documentation issued by your firm, only servicing rights exist. The alleged debt on the credit report is also subject to foreclosure action from 2018, which means the debt should listed as charged off. Moreover, XXXX never filed a claim on the foreclosure funds available post first lien claim. Such action makes the gross amount reported erroneous. Per the FCRA 15 USC1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. 
Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all credit trade line be eliminated.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, I submitted {$60000.00} dollars to XXXX XXXX from my XXXX  XXXX XXXX checking account. Like many others, my account was frozen without warning for 60 days when I tried to withdraw money back to the same XXXX   XXXX XXXX account on XX/XX/XXXX. I called and was told that I needed to show proof of ownership of the checkings account and this was done for security purposes. 

This makes little sense, since I already transferred money in from the same account, so I researched complaints on this bank and was astounded to find the link below, covering many custoemrs complaints of funds being frozen 60+ days, after speaking to countless supervisors and promised certain dates, only to still not be able to withdraw funds. 

I've emailed and called XXXX XXXX, and have heard nothing but that a supervisor would call me back. My money is frozen in this account XXXX XXXX XXXX