Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Overdrafts and overdraft fees

VIOLATION OF THE FINANCIAL PRIVACY ACT : On XX/XX/XXXX18 at approx. XXXX XXXX  CST XXXX XXXX inquired with US BANK about her student account not having any money within it. They removed the funds without her knowledge to pay my loan. The girl who took the call was named, XXXX. She kept telling XXXX ( my daughter who IS NOT ON MY BUSINESS ACCOUNT ) that " your mom ( XXXX XXXX ) is behind on her payments '' telling my personal business to my daughter. 

XXXX VIOLATED the FINANCIAL PRIVACY ACT divulging to XXXX her mom 's PERSONAL BANKING INFORMATION. 

She told my daughter that " YOUR MOM IS {$21000.00} PAST DUE ON HER BILLS ''. 

XXXX knew that I was in a Debt Settlement program, but I wanted to KEEP IT CONFIDENTIAL the amount that I owed. 

XXXX VIOLATED MY PRIVACY RIGHTS by letting my daughter know that I am behind over {$21000.00}. 

This has put a great deal of XXXX on our relationship and embarrassed me, in front of my daughter. This made my daughter see my differently and caused us both XXXX, XXXX and a great deal of unwarranted XXXX. 

I spoke to XXXX, the supervisor at US BANK, letting him know that I wanted to speak with their legal department about this breach of information. He told me that " XXXX '' was XXXXXXXX XXXX Supervisor. They let me know that the conversation was recorded and action would be taken to review the tape and discipline XXXX. I asked to have the legal department get in touch with me, to settle this matter. 

I am going to consult with my attorney about the breach of my rights and confidentiality. 

Please help me in filing a formal complaint in this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

LENDING CLUB CORP Account XXXX and XXXX XXXX XXXX XXXX Account XXXX ARE UNVERIFIED. 

XXXX has not provided proof of physical verification of the original signed consumer contract its has on file pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 
XXXX HAS NOT PROVIDED METHOD OF VERIFICATION
Complaint sub-issue: Personal information

I have all these XXXX address on my report and live in XXXX. I have never been to XXXX, none the less lived there. There could be used for Identity theft and I would like them removed since they do n't even belong to me in the first place.
Complaint sub-issue: Account information incorrect

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX XXXX and Equifax reporting the monthly payment as {$260.00} a month but XXXX {$320.00}? Which one is it? Is it {$260.00} or {$320.00} a month Why are there 3 different balances being reported? XXXX XXXX is reporting a balance of {>= $1,000,000}, Equifax is reporting a balance of {$12000.00} and XXXX is reporting a balance of {$12000.00}. What is the balance of this account? 
Why is the payment history reporting inaccurately? 
For XX/XX/2022, XXXX XXXX isn't reporting anything, XXXX is saying I'm 90 days late and Equifax is reporting I'm on time. How can I be late and on time for the same month? 
For XX/XX/2022, XXXX XXXX isn't reporting anything, XXXX is saying I'm 120 days late and Equifax is reporting me as on time. Which one is it? Was I late or on time? 
This account is reporting completely inaccurate.
Complaint sub-issue: Debt was result of identity theft

In approximately the summer of 2017 I received a collection notice for over {$800.00} for a XXXX XXXX bill. I have never used XXXX XXXX ( my company phone is XXXX now, but even that is new this year ). I contacted the collection agency and advised them. They told me I needed to call XXXX. I did, and XXXX confirmed that whatever it was that was ordered was ordered using my social security number and my address but a different email address than any I have used. They said it was strange because it was a phone but the service was never activated. Further, that phone or whatever it was never was delivered to my home. They confirmed that it looked like fraud to them as well. They asked me if I could file a police report, but I pulled my credit report and given that it was the ONLY item on my credit report I felt that filing a police report wasn't going to get me anywhere. What would the police do for one item on my credit report with ZERO information about who might have done it to go on. So I simply advised XXXX that I wanted to dispute the account as it was not mine. 

Then they sold the debt to : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN I immediately notified them by mail that this was not my account, that XXXX KNEW this was not my account, and that it was the result of fraud. No response. They placed it on my credit report ( which XXXX never had ). I disputed it with all three bureaus and explained the situation in detail along with my dispute. 

They each did their investigation ( whatever that means ) and Jefferson Capital stood by their reporting. 

This is NOT my account. It has NEVER been my account. I have NEVER received anything from XXXX nor used XXXX in any way, and this is unjustly harming my credit. 

Please contact Jefferson and have them remove this listing as it has nothing to do with me.
Complaint sub-issue: Debt is not yours

I have been receiving emails since XX/XX/2022 from this company harassing me about money that I do not owe them. They have also applied this collection to my credit report which is invalid because I have not signed a contract with them to owe them any debt.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

To Whom This May Concern, I have disputed a Bankruptcy reporting with XXXX, XXXX, and Equifax. I initiated the investigations a total of four times with no success. The dates are as follows : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 In accordance with the FCRA, the Consumer Reporting Agencies has not updated or removed the errors from my your credit reports after discharge! Due to the Bankruptcy showing on my report, its ASSUMED by creditors as being active. I am disputing the item now through the CFPB in hopes to get this issue resolved after four unsuccessful disputes that I certified mailed in writing. Thank you in advance! 

Concerned Consumer ... ..
Complaint sub-issue: Debt was paid

On XXXX XXXX, I contacted Hunter Warfield regarding alleged debt of {$380.00}. I wanted to take care of the alleged debt because item was affecting my credit score because its hurting my chances to buy my XXXX XXXX. I paid the alleged debt in full and have receipt to prove it which will be attached to this complaint. The customer service rep stated that once I paid alleged debt in full that they were going to fully remove negative information off my report.
Complaint sub-issue: Reporting company used your report improperly

I recently used my credit card to buy some XXXX gifts, when I looked at my credit score on XXXX XXXX I saw that my score had dropped significantly from GOOD to FAIR. My complaint is ... why should my score go down because you use some of the available credit you have? My utilization went from 1 % to 15 % of available credit. This practice of Credit Reporting companies is unfair and fraudulent, they drop your score and have not waited to see if you make your payments on time or even if you make the minimum or greater payment. What they are doing penalizes you for using your available credit WHICH is then used as a reason for lenders to charge you high interest rates. This practice is more of a collusion between Credit Reporting companies and Lenders. It really is as though you take one step forward and end up two steps backwards. It literally is putting the cart before the horse. 
I have worked very diligently to get a high credit score in order to get the advantages of it. Instead of helping consumers they are suppressing consumers and working with the Lenders to keep the you continually paying higher interest rates. 
I look forward to hearing from you, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX the credit reporting company Equifax suffered a data breach. This breach disclosed the personally identifiable information ( PII ) of over 149 million people, including names, social security numbers, home addresses, and Driver 's License numbers. Equifax did not reveal this breach had occurred until XX/XX/XXXX. Three Equifax executives, Chief Financial Officer and Corporate VP XXXX XXXX ; President of U.S. Information Solutions XXXX XXXX ; and President of Workforce Solutions XXXX XXXX, sold {$1.00} million in Equifax stock before announcing the data breach. Equifax has offered a year of " Free Credit Monitoring '' on their website, but accepting the monitoring commits one to binding arbitration and waives one 's right to participate in a class action lawsuit. 

On XX/XX/XXXX, through using Equifax 's website www.equifaxsecurity2017.com, I was notified that my data had been compromised. I have filed a police report. Equifax 's response to this  problem so far has been entirely unacceptable.
Complaint sub-issue: Account information incorrect

I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working on getting better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 and 60 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) between XX/XX/XXXX and XX/XX/XXXX and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted both XXXX  and Citibank card services corporate office to resolve this well over three months ago and Citibank promised that this would be resolved within 30 days and I received countless credit reports from XXXX  stating the inquiries that are fraudulent have been removed when indeed they are still reporting to my credit report. I have to say that 2017 gave XXXX  a slap on the wrist by congress with a Rather large class action lawsuit. CFPB if you recall XXXX  had to stand before Congress admitted that three executives the CEO being one of them refused to tell the public about the security breach ( if you type in my information my personal information was affected and it still being affected by their negligence that was purposely made to ensure the main stock holders previous CEO and two other major executives sold their shares 3 days before they notified the public and I believe to avoid prison for such a dishonest act on the country that same CEO XXXX XXXX chose to step down. While that is great and the class action lawsuit is ok. What about XXXX  and their commitment to complete compliance especially when Identification Theft is currently concerned. I hate to say that XXXX  is still in it to be loyal to credit grantors at all cost even in my case I have sent police documents and per XXXX  request they only want 3 items per FTC report ( So I have done just that, in fact I have sent documents to XXXX  that I will be uploading here for your review. Response : Inquiries have been removed ( False because they are currently reporting XXXX or once we confirm with creditor we will remove. 

That brings me to Citi Bank Credit Cards this is currently my forth CFPB against both companies. Citi Bank advised me over two months ago that within 30 days of my last request that they will remove the fraudulent inquiries they have not done so. In fact what they did do is close an Exxon Account that was never discussed and I currently have a Best Buy account that I am not reporting as fraudulent because recently I chose to open it maybe last week. I hope that you dont retaliate for reporting to CFPB ( Because if you do then I will have to get my attorney involved and file another report with CFPB and the state of Florida attorney general. 

In other words the recent Best Buy Account opened by me is mine and so is the Exxon Account that you closed down after filling similar complaints. Citi Card this really has nothing to do with you with the exception of Im asking you to intervene with XXXX  to insure that these inquiries that are fraudulent get deleted. As of now I dont have an issue with Citi Card and I hope to have a relationship with you my issue was with XXXX  Fax and Im hoping we can leave XXXX  Fax with no more excuses as to why theyre not removing the following fraudulent inquiries. Thank you for your understanding and again please dont close my Best Buy Account its not fraudulent.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX, Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022
Complaint sub-issue: Attempted to collect wrong amount

I was getting some service with a green sky loan. I did not receive all services, yet they billed for them. They have been on my credit since XXXX. I have tried to dispute the charges. I though it was a loan up to amount. If used. They just billed for max amount. There is a lawsuit on Greensky for this exact problem. I believe I happen to a victim of these inaccuracies other consumers have complained about.
Complaint sub-issue: Account status incorrect

I have never been late in any of my payments for the past 11 years. I made a payment but for some reason it did not reflect suddenly I get a 120 days late on my credit report. I paid off the entire loans. We are in COVID and working with a lender to save a minority owned business and this incorrect information is ruining the chances of saving my company. I went ahead and paid them off so that I don't have to deal with this. It is COVID there is a pandemic and these predators are doing anything necessary to prevent you from moving ahead. I am 100 % sure that I made a payment in the beginning of XXXX yet it is not reflecting. Just please be a decent human being and don't destroy my life.
Complaint sub-issue: Sent card you never applied for

I noticed on my  credit score is low er, even when I do n't have any loans, and I pay all my bills on time. I checked on  XXXX   XXXX  report  XXXX  inquires for  XXXX  credit cards from Citi on  XXXX   XXXX   2016 . I never applied for those credit cards and never received any. I received only some card from  XXXX   XXXX  I never applied to. I was surprised, because I only tried to change my flight. That was my all encounter with   XXXX   - my work handled the flight change.   Best Regards
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services LLC. P.O. XXXX XXXX. XXXX, GA XXXX. 
To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2.XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX 4 . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX 5.EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7.XXXX XXXX XXXX XXXX, OH XXXX 8.XXXX XXXX, NA XXXX XXXX  XXXX XXXX XXXX , UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature. 
I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX ) Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611. 

XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card company won't work with you while you're going through financial hardship

The middle of XX/XX/2022 I contacted a company to start a home business of my own and talked to XXXX. In trying to get me funding against my wishes she contacted Upgrade, Inc, after putting me on hold. When she brought me back on the line she told me they had funded me for the {$11000.00}. I believe that was my first knowledge of the amount. It all happened so fast that I do not remember talking with the company representative or finding out what the payments were going to be or anything else. Later I would find out from reviews the company was not a reputable company and I closed my account with them. I think the computer signature to sign for my computer classes was used to sign the contract for the loan. So, now I'm in debt with Upgrade, Inc not getting what I had paid for and the company the money went to would only return {$2000.00}. Now I apparently need to pay back the rest but I did not get anything in return. Also, unbeknownst to me my payments to Upgrade are over {$400.00} a month. They did agree to 3-month lower payments for hardship reasons but now my payments are over {$500.00}. All I have is my Social Security and am unable to pay for something I did not agree to and did not get anything for. Unfortunately, when XXXX found I was closing my account they went into my email account with them and wiped out everything that had their information on it. I could come up with a way to recover this information if needed I believe. Otherwise, I have nothing left.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I keep track of my credit reports and scores on a regular basis. 

So, when I paid off a credit card, I received great news from XXXX and XXXX that my score had increased. : ) So, what's the problem?? Equifax dropped my score by XXXX points when I paid off my credit card. 

XXXX XXXX. Made a payment. 
XXXX XXXX. Made a payment. 
XX/XX/XXXX Made a payment ( paying off the credit card ) XXXX XXXX. No change to my credit report XXXX XXXX. XXXX reflected on my credit report. 
XXXX XXXX. Equifax reports card balance is {$0.00} and drops my credit score XXXX points XXXX and XXXX, raised my score by XXXX points. Equifax went down. : (
Complaint sub-issue: Report improperly shared by CRC

I went in to XXXX in search of buying a house. After looking at my credit reports several inquires have been made which caused a significant decrease in my credit score. There were credit pulls on XXXX XXXX, XX/XX/XXXX from XXXX and from XXXX on XX/XX/XXXX. I was informed that the pulls would not impact my credit score or be considered as a hard inquiry.
Complaint sub-issue: Reporting company used your report improperly

The credit reporting agency, Equifax, announced on XX/XX/XXXX that a hack has impacted my credit history
Complaint sub-issue: Debt is not yours

this company is reporting an erroneous mistake, this account does not belong to me, and they have failed according to FCRA to validate this debt they claim I owe with a contract bearing my signature. This collection agency is violating my rights and reporting inaccurate information per section 807-8,  please delete this account from my report immediately.
Complaint sub-issue: Investigation took more than 30 days

A validation letter was sent to the collection companies in dispute. According to FCRA guidelines, after 30 days of no response from a collections company from requesting validation, an immediate deletion would be in order, a letter requesting that deletion was sent to the bureaus and they have yet to act accordingly. As per FCRA guidelines they are now in direct violation of those guidelines and thus the reason for my complaint.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, Equifax dropped my credit score by 23 points because I disputed the remarks on accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I pay my bills all on time and disputed remarks on account and my score dropped 23 points. How is this possible. This is even though one my credit cards balanced decreased by {$1300.00}. This is not right and totally unethical.
Complaint sub-issue: Debt was paid

I was applying for a home loan and found out that I had a debt with " MRS Associates '' that was in collections. I did not recognized this debt. I contact them to find out about it and they said it came from XXXX XXXX. Even though I knew and communicated with them that I had already closed my account with XXXX XXXX  due to relocation, I didn't have supporting documents so I decided to pay the amount they claimed I owed as I needed that report removed from my account to be able to get my home loan approved. That was back in XX/XX/2020. I filled out a dispute so the report was removed from my credit report which they did. Now, I am trying again to get a home loan and the loan company is asking me for a letter where states that this account was paid and deleted, but when I reached out to MRS associates they wont provide me with any information. No statement, no letter, nothing. I am stuck right now because the loan will be approved with higher rates due to this report and MRS is not giving me options. I don't know where or who to contact anymore. I have reached out to different phone numbers and they cant help me. The last associate I spoke to " XXXX '' was horrible and wouldn't give me any options