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 Account # XXXX, XXXXXXXXXX****, 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 : 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 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: Didn't receive enough information to verify debt

Ar Resources inc XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX M.O. XXXX XXXX To whom it may concern Re : This Account is not mineI received a alert from XXXX XXXX that you are reporting this fraudulent account as mine.

You claim I owe a debt to your company.

I am requesting that you provide validation of this debt! If you do not comply with this request, I will immediately file a complaint with all three credit Reporting Agencies, the Federal Trade Commission, and the Missouris Attorney Generals office.

Civil and criminal claims will be pursued.Sincerely, XXXX XXXX I have immediately sent a complaint to the CFPB!
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX report late payments in XX/XX/2018. When I reached out to XXXX XXXX   they advised that they never report any negative information and to dispute with credit bureaus. I did that also and was told it was removed. I recently applied for a refinance with XXXX and they are telling me XXXX XXXX report late payments on my credit which XXXX XXXX  denied they did when I asked about it in XX/XX/2018. I am attaching emails from XXXX XXXX where they are stating they did not report a late payment and the texts from XXXX saying they did report and i can not refinance now due to this error
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/22 I used my bank card to rent a car while in XXXX XXXX. There was a deposit hold of {$250.00} and the total charge was {$220.00} for a total hold initially of {$460.00}. When I returned home on XX/XX/22 my account balance was showing a negative balance due to the holds. On XX/XX/22 I reviewed my balance which showed a negative balance of {$180.00}. I contacted the customer service number and was advised to make a cash deposit at a Bank ATM to return the balance to a positive which would relieve some of the Overdraft charges and prevent new ones. When I returned to the states I updated my address to XXXX, GA from XXXX, TN. I had to travel over 200 miles + round trip to get to a US Bank ATM to make a deposit. I was advised to speak to a supervisor regarding refunding the overdraft charges. On XX/XX/22 I contacted the customer service team again after seeing the Rental Car transaction had now appeared again in the account which forced the balance into a negative again. This situation was very alarming as I was not made aware of it the day prior when I spoke with the Customer Service team. The supervisor waffled around about what happened and wasn't able to give confident support of the issue. He eventually referred me to the bank branch in XXXX. I called the bank branch and was advised that if it was a merchant error with posting or a bank error then all of the fees could be reversed. I would have to reach back out to the Customer Service number. I called back and was routed to the disputes department. I advised as best I could of all the information and misinformation I had been provided over the last 18 hours or so. Eventually the agent I spoke with advised they could reverse XXXX of the overdraft charges. There had been XXXX overdraft charges on my account in the past week which is well above and beyond what is to be expected. I also removed the overdraft protection from my account in an attempt to prevent future occurrences like this that appeared to be prompted by some merchant or banking error connected with the rental car payment. I will also no longer be using the bank card for that kind of purchase after this series of events. At minimum, I would like for US Bank to review the scenario and provide a reimbursement of the other overdraft fees that were assessed on the account not only due to the posting error with Routes Rental Car but also due to the stress this has caused and the undue burden of having to travel XXXX miles round trip to deposit cash into the account at the instruction of the customer service team only to be advised the following day that the deposit wouldn't post until the following day and therefore it would not prevent any additional overdrafts.
Complaint sub-issue: Account information incorrect

Loan was delinquent. Ended up paying off the vehicle but vehicle is showing as charged off.
Complaint sub-issue: Was not notified of investigation status or results

I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the Equifax Data  Breach.
Complaint sub-issue: Information belongs to someone else

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX   XXXX  XXXX {$150000.00} XXXX XXXX {$110.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$1600.00} BANKRUPTCY-DISCHARGED XXXX {$0.00}
Complaint sub-issue: Trouble with how payments are being handled

My payments have been incorrectly calculated since at least XXXX. This is because of a myriad of problems, including but not limited to an incorrect calculation under the IDR plan. My current IDR plan was supposed to be in place for XXXX, and by their own notification I should have known the new payment by no later than XX/XX/XXXX, but I have yet to hear what the new payment will be under the new IDR plan. I have tried to contact them multiple times, but the company has never responded.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I called Equifax today regarding my credit freeze and fraud alert to confirm these were in place for my protection, that part of my call was completed, unfortunately I was transferred to the dispute department to address the fraud and errors on my report and to dispute a claim from XXXX XXXX XXXX XXXX that was fraudulent on my report. The representative I was speaking to was not helping me or cooperating with me. I asked for a supervisor and was put on hold for 20 minutes, finally he came back and indicated that he finally got a supervisor named XXXX on the phone, both were on the line and as the first rep released the call the supervisor ruefully put me on hold for 15 minutes without speaking to me or taking my call then just put me into the survey system without ever taking my call. I received no customer service from them.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XX/XX/XXXX and again on XX/XX/XXXX I request under California Ci val Code # 2943, that the servicer Nelnet provide within 21 days : a ) Certified copy of the Promissory note ( the original student loan ) with any modifiactions there to, including all endorsements, allonges or other indicia of transfers and negotiations since the note was signed ; b ) Certified copy of the recorded loan with any modifications thereto, including all other indicia of assignments of beneficial interest ; c ) Claimed unpaid balance of the loan ( full accounting from loan inclination to date of demand including but not limited to interest rate charge dates and changed rate - i.e. amortization table format ) ; d ) Claimed amounts paid ( indica of consideration ) for transfers of beneficial interest and dates of those paid amounts ( " for value received '' ), admissible evidence of an actual transaction ; e ) Current variable interest rate of teh loan along with history of changes thereto and thereof : f ) The end of the term of the loan ; What I received on XX/XX/XXXX was an account summary for XXXX XXXX prepared XX/XX/XXXX with a start date of XX/XX/XXXX ( not XX/XX/XXXX ) for loan # 1 with a principal balance of {$5500.00} and loan # 2 with a principal balance of {$3500.00}. I can not reconcile all my loan payments since inception and if they were applied correctly.Most interesting and alarming is that in the servicer 's response was a 1 page Application and Promissory Note ( not in my hand writing -very unusual ) date stamped XX/XX/XXXX and page 2 with my signature dated XX/XX/XXXX which looks like it maybe part of a Promissory Note. Question HOW DOES A LOAN GET FUNDED PRIOR TO AN APPLICATION BEING SUBMITTED AND APPROVED??????? This is what alerted me to potential fraud and that servicer has no standing or pretend lender has no standing in the alleged note. I therefore made 2 demands to Nelnet to refund the amount paid to Nelnet on loan # 1 {$6600.00} and loan # 2 {$4200.00}.
Complaint sub-issue: Reporting company used your report improperly

Equifax hack on X/X/2017. Credit report and all personal information was leaked. Completely unacceptable. Ca n't sign into Equifax to freeze or look into credit report at all to determine fraud.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have asked both XXXX and US BANK to remove these fraudulent inquires to no avail.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX DOB XXXX SS XXXX I have a few addresses that are not correctly showing on my credit file that needs to be updated. My only address isXXXX XXXX XXXX XXXX IL, XXXX. PLEASE DELETE THE FOLLOWING ADDRESSESXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a letter ( attached ) from XXXX on XX/XX/2020 which also was the response they posted on the CFPB complaint website stating that they have removed a chapter XXXX bankruptcy from my credit report with their system. Upon further investigation, they LIED not only to me but to the CFPB ( a government agency ) They are still reporting this bogus information not only on their website but also reporting it to Equifax and others. 

In a phone conversation with XXXX on XX/XX/2020 they informed me that it was still, in fact, being reported but they show the open they removed had the wrong case number and they removed that one and the one they are still reporting has the correct case number. 

I find it funny that I lodged 5 complaints with XXXX regarding this matter and they stood their ground saying the information they reported was correct. On the 6th complaint, they send the attached letter saying it was removed but it was not and they come up with the story that 2 bankruptcies were reported and THEY had the wrong number? XXXX! 

I just recently got a new insurance quote ( copy attached ) and my rate was dictated by the bogus information that XXXX has reported. XXXX  & XXXX  removed this item over 6 months ago with no problem! XXXX and Equifax are hindering my ability to get reasonable rates based on their XXXX and XXXX  reporting. 

Therefore I have had enough and retained my attorney XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI. XXXX ( XXXX XXXX XXXX to pursue litigation and file suit against XXXX XXXX Equifax for their improper reporting practices, misleading a federal government agency ( CFPB ), money damages, court and attorney fees.
Complaint sub-issue: Reporting company used your report improperly

The credit bureau stated my count was properly investigated, but how is that possible if the open date is inaccurate, the date last reported is not accurate, they updated an account that is not mine, the ground for removal, they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 it also states a consumer reporting agency can not furnish an account without written instructions Also the credit bureaus took more than 30 days to complete my investigation sent off by certified mail tracking #
Complaint sub-issue: Banking errors

Experiencing an issue with Optum Financial and missing funds in a Flexible Spending Account. Transactions occurred in the following manner : XX/XX/XXXX Routine eye exam followed by purchase with XXXX {$730.00}, use XXXX. 
XX/XX/XXXX XXXX XXXX from Optum that {$270.00} ( prescription sunglasses ) did not meet guidelines. Instructed to reimburse XXXX. 
XX/XX/XXXX Contacted Optum and spoke with an agent. Requested an explanation for dollar amount that was not covered and why. Stated that no notes in system on how the analyst reached the decision and she could not determine based on the documents uploaded in the system. Opened an investigation and advised I should receive a reply in the mail. Requested an itemized statement that shows approved and not approved. 
XX/XX/XXXX Received correspondence from Optum which did not address or provide the information requested, itemized statement of what and why not covered. Only addressed that I reimburse the account. 
XX/XX/XXXX Reimbursed XXXX {$270.00}, posted XX/XX/XXXX XX/XX/XXXX Returned sunglasses to XXXX and {$230.00} refunded to XXXX. 
XX/XX/XXXX Contacted Optum regarding the refund from XXXX and whether I will be reimbursed. Agent communicated that XXXX refund {$270.00} posted on XX/XX/XXXX. Explained that the amount is not from XXXX but stems from my reimbursement. Next, the agent explained that he located the refund from XXXX but it was applied to XXXX expenses. Suggested I contact XXXX and have the correct it and apply to XXXX. After explaining it does not work that way, he agreed to open an investigation, XXXX opened case # XXXX, no update provided. Never received any communication. 
XX/XX/XXXX Placed subsequent calls to obtain factual information and what are my rights as far as what is due. No follow up from Optum. 
XX/XX/XXXX Followed up with Optum per refund from XXXX has not been posted to my FSA. Based on the claims, my reimbursement, and refund from XXXX, XXXX should reflect {$490.00} but instead only account for {$250.00}.
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 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: Their investigation did not fix an error on your report

I started monitoring each bureau and quickly noticed that because my XXXX XXXX DOES NOT HAVE A LIMIT any money I spend on it that should ever happen to get reported to the bureaus for the month is subtracted from the amount my other cards report this is to calculate a " FICO ''! So the FACT I HAVE A CREDIT CARD WITH NO LIMIT THAT GETS PAID OFF IN FULL MONTHLY SOME HOW BRINGS DOWN MY " FICO ''! Now the story is only going to get worse but thankfully I have over 25 pages of evidence to prove my nightmare experience! For REASONS EVERYBODY CAN NOT UNDERSTAND, EXPLAIN OR FIX! EVERYONE being XXXX, EQUIFAX AND XXXX ... as well as XXXX XXXX! There was a set monthly payment of {$14000.00} being reported and a credit card limit of {$29000.00}. The number they have been incorrectly reporting for months is my high balance for one month! Where the {$14000.00} monthly payment came from IDK! When I review all the reports I notice this XXXX XXXX shows up in the derogatory account section on all three as well! But the " Status '' hasn't been updated for the account since XX/XX/2012 just the " Balance '' has! SO based on this NIGHTMARE I STILL HAVE NO SOLOUTION TO I had to pay cash for my condo in XXXX XXXX because based on the bureaus I AM A HIGH RISK! I feel I should get the Hard inquires I got while trying to get a mortgage loan removed because the information WAS NOT AND STILL IS NOT ACCURATE! I HAVE BEEN DEALING WITH THIS FOR ALMOST A YEAR AND THEY EACH HAVE BEEN NO HELP ONLY HINDERANCE!
Complaint sub-issue: Their investigation did not fix an error on your report

For the last few months, I have been trying to have these old account remove from my credit report. but even after all my dispute letters and proof old the law stated by the federal government, that account 7 years and older that are close must be removed. But all three bureaus just keep writing account verified, without providing me any proof of method used to verify this or law stating that item may remain on report after 7 years.
Complaint sub-issue: Didn't receive notice of right to dispute

My credit card was used in XXXX when I am not in the country me and my family was out of country from XXXX XX/XX/XXXX .I came back in XXXX XX/XX/XXXX XXXXAfter some time I received calls and notices from debt collectors I wrote to them that this is not my debt I want to start the dispute because this was happened when I was not in the country. 
Original creditor XXXX Original creditor account number XXXX Date of charge off XXXX XXXX Current owner of account XXXX XXXX XXXX XXXX Current balance {$7900.00}
Complaint sub-issue: Information belongs to someone else

fraudulent loans were opened up in my name XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX accountnumber XXXX XX/XX/XXXX XXXX   account number XXXX XX/XX/XXXX I have included./ attached following documents -FTC identity theft report - driver license -social security card -A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX  ( Finance ) XX/XX/2021, has violated my rights, by farming my information out resulting in multiple inquiry negatively impacting my credit report. 

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: Attempted to collect wrong amount

XX/XX/2019 a charge for a private ambulance was opened on my credit report due to a car accident and being rushed to the hospital. I had medical insurance and I did not request or been asked to ride in a private ambulance at the time. I called the company which refuses to remove the collection. The company has very rude workers who speaks to you disrespectfully.
Complaint sub-issue: Information belongs to someone else

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, There are several credit accounts that i did not approve Please remove the following accounts : XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

It's almost 60 days today since I've sent disputes last XXXX2020 regarding to those unknown and inaccurate accounts that I found on my credit report but I haven't received any response. Im a victim of Equifax data breach. I demand that all inaccurate and unknown accounts REMOVE immediately on my credit report or I will file a litigation that cause me stress.
Complaint sub-issue: Reporting company used your report improperly

I accordance with the Fair Credit Reporting act XXXX Account XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have no idea why it says I have had a late payment on my credit card! Ive never missed a payment. I checked my credit and I have a late payment! I know I didnt miss a payment. Im going through a really difficult time making sure everything is payed for because Im trying to buy a house and I just loss my father due to covid on top of that being a mother of 4 has been rough. Please help me resolve this
Complaint sub-issue: Debt is not yours

On XX/XX/2019 at XXXX a male representative from a collection agency called from Hunter Warfield telling me XXXX and/or XXXX XXXX owed money from a business called XXXX XXXX XXXX. I immediately looked up the business online & saw it was apartment buildings in Connecticut. No one, including my self, in my family has ever lived in Connecticut. I told him there are 2 XXXX XXXX ( Mother & Daughter ) & 2 XXXX XXXX ( Father & Grandson ) & I asked which ones he was calling about. He could not tell me. I asked for a supervisor & a supposed supervisor named XXXX got on the line. I told him no one in my family owes whatever it is he is trying to collect. I then told him I looked up Hunter Warfield online & saw there were many complaints against his company for fraud & harassment. I also told him this is illegal & very upsetting his company telling me & my family we owed money to someone we never even heard of before. He then said something to the effect that if we are the wrong people, his is removing our telephone number from the list & he hung up on me. I am EXTREMELY concerned that this company is trying to fraud people out of their money & also EXTREMELY concerned that this may show up on my credit report. As I stated, neither I nor anyone else in my family has ever lived in Connecticut. Please help & please stop this awful company from doing this to people. 
Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted Equifax about inquires I did not authorize and I also made them aware of my information being compromised on the dark web therefore I needed my report locked and the inquires removed I was ask to file a report which Im doing by following up with you guys