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

On XX/XX/2018, Discover Personal Loans who is affiliated with XXXX XXXX XXXX gain unauthorized access to my personal XXXX XXXX Report without my knowledge or consent. 

Such violates both federal and state privacy laws and potentially violations provisions under the Fair Credit Reporting Act.
Complaint sub-issue: Account information incorrect

XXXX I was enrolled in XXXX College in XXXX La. I completed my book work but had to do extern inorder to complete the course for XXXX XXXX. Due to me being around 7 to 8 months XXXX  the school pushed back my extern to 6 weeks after I had my baby which was XX/XX/XXXX but before I could come off XXXX  XXXX  to complete the course the school unknowingly shut down for fraud.. They stole the students money and didnt pay the teachers it should be in public record.. I had been deferring and trying to fight having to pay for the loan because the school said that I was approved for free services but unknowingly took out loans and most definitely since the school closed with fraud, I shouldnt have to repay the loan that I didnt know about.. I feel all the late payments are inaccurate because I wasnt paying due to legal reasons trying to fight having to pay the loan.. the negative remark is the only negative on my report thats affecting my credit score. My taxes did end up getting took to cover the student loan which has XXXX balance now, but still with the late payments I feel thats not fair, and should be removed especially due to circumstances that are not my fault at all..
Complaint sub-issue: Debt is not yours

This complaint is with original company XXXX XXXX XXXX XXXX XXXX but has been sent to a 3rd party collections, XXXX XXXX XXXX for the amount of {$110.00}. I have attempted several times to dispute this reporting on my own and company has not given a resolution. This account was set up with out my permission and with my personal information. XXXX XXXX XXXX XXXX did not have best practices with verifying if person calling in is the correct party. 

This is injust and i shouldnt be held responsible when my identity was used without verification.
Complaint sub-issue: Application denied

I AM GETTING SICK AND TIRED OF THIS COMPANY TREATING ME SO WRONG THEIR CREDIT DEPARTMENT IS HORRIBLE WITH ME EVERYTIME I APPLY FOR MY BLOOMINGDALES CARD ONLINE OR IN STORE THEY DELCINE ME DUE TO A TEXT MESSAGE THEY TELL ME TO STOP APPLYING ONLINE AND GO TO THE ACTUAL STORE WITH ME ID I WENT THIS MONTH ON FRIDAY AND THEY REFUSE TO PROCESS MY APPLICTIONS WHEN THEY TOLD ME TO GO AFTER 30 DAYS WHICH I DID AND THE SAME THING HAPPENS THEY DONT TRY ITS LIKE THEY DONT WANT ME UNFAIR WITH ME XXXX XXXX HAS BEEN UNSUCCESUL IN GETTING THIS RESOLVED THEIR ARE DIFFERENT METHODS TO COMPLETE VERIFICATION BUT THEY CHOOSE NOT TO HELP ME AND SAY THAT TEXT MESSAGE IS THE ONLY WAY THIS IS RIDISICLOUS AND I WENT TO THE STORE I HATE THEM THEY GIVE ME A HARD TIME FOR NO REASON
Complaint sub-issue: Reporting company used your report improperly

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 Did not authorize these companies to run my credit nor recognize the transaction.
Complaint sub-issue: Information belongs to someone else

For years I wondered about my credit score never being consistent. I never in a million years would of thought that someone else was using my social security number and name to open up big accounts. I decided to get my credit pulled and there was SO MANY ACCOUNTS OPEN under my name that I have never in my life seen before. It is a real upsetting situation and it insane the amount of accounts that had been open or are open. Please remove these accounts from my credit report as soon as possible. 

XXXX XXXX/XXXX  XXXX {$270.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$4000.00} XXXX/XXXX  XXXX {$670.00} XXXX/XXXX  XXXX {$290.00} XXXX/XXXX  XXXX {$550.00} XXXX 'S XXXX {$900.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX {$22000.00} XXXX/XXXX  XXXX {$670.00} XXXX  XXXX {$6400.00} XXXX  XXXX {$4000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX {$2000.00} XXXX  XXXX {$4000.00} XXXX  XXXX {$4000.00} XXXX  XXXX {$4000.00} XXXX   XXXX {$870.00} XXXX  XXXX {$2600.00} XXXX XXXX {$2500.00} XXXX  XXXX {$120.00} XXXX  XXXX {$2000.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$890.00} XXXX  XXXX {$870.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$2000.00} XXXX   XXXX {$3500.00} XXXX/XXXX XXXX {$720000.00} XXXX  XXXX {$14000.00} XXXX  XXXX {$5800.00} XXXX  XXXX {$5300.00} XXXX XXXX {$12000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$2000.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$560.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting ActXX/XX/XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A. states I have the right to privacy. 


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


15 U.S, C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is like an endless circle now. XXXX has place yet another new inquiry yet again it shows as a hard inquire when it should be a soft, once again like all five they have done on my Equifax report the inquires they are doing are missing a reason code Equifax requires a reason code to properly categorize the Inquire once again XXXX is not providing the reason code to Equifax so they are unable to categorize it properly. They did this on XXXX the again on XX/XX/XXXX then again on XX/XX/XXXX then again on XXXX and then again on XXXX. This has been going on for a month now!!! Take immediate actions to correct these inquires so they can be categorized properly. You are in violation of the FCRA until you provide Equifax a reason code so they can properly make the soft inquires. You did not have my permission to run a hard inquire. Every time I tell you about the last one you did a new one shows up!!!!
Complaint sub-issue: Don't agree with the fees charged

My Great Lakes is charging interest during forbearance. I paid all outstanding interest on all loans. There was a {$0.00} interest calculation on my account summary page the last time I made payments of {$500.00} and {$5500.00} on XX/XX/XXXX and XX/XX/XXXX. Now, I see interest totaling {$110.00}. How can interest go from {$0.00} to {$110.00} in three weeks if the interest rate is 0? They claim this is interest accrued prior to XXXX. Since all interest had been paid previously ( I have screen grabs ), I can only gather that that this is an honest error that they have refused to correct to date or its a falsification. 

Also, if you look at the payment history, you see an interest balance of {$0.00} on the Grad Plus loans and an interest balance of {$2.00} on the Stafford loans. First, the {$2.00} charge is wrong given forbearance, but what about the discrepancy between {$2.00} and {$110.00}? They claim the {$110.00} charge is due to the way I chose to have payments allocated between loans. However, this can't be true because ALL interest was previously paid. If no interest is accruing, and all interest had been paid, how can you back charge me interest with no accounting to show how you got that number? 

This is the second time interest has gone from XXXX to a balance during this forbearance period. You can't continue to back date interest.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted the bureaus inquiring about hard inquiries listed that i don't recognize, there hasn't been positive resolution after multiple attempts. 
also tried to remove inaccurate personal information with zero success
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 c, Pt furnish a account without my written I instructions. 15 USC 16668 : A creditor may not treat a payment on a credit card account unde ... 1 open end consumer credit plan as late for purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I sent Equifax, XXXX XXXX and XXXX certified letters regarding two inaccurate and unknown things on my credit report. I looked at my credit report today and I have not received no response. Yet my credit score continues to plummet. I feel I am being taking advantage of and my dispute letter is being ignored. According to Fair Credit Reporting Act Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I am just obeying the law. Since 30 days have passed and I have not gotten any response from them and my credit score has gone down, I demand those phony accounts be deleted or I will file for litigation due to stress on my life. Trying to call them is a waste of my time because the answering service tells me they can't take my phone calls today and to call back later and hangs up. Because of their negative reporting, I can't rent an apartment, forget buying a house and can barely get a credit card. I am tired of getting rejected every time I apply for credit card. My information was also impacted by Equifax, XXXX XXXX and XXXX data breach and have gotten into the wrong hands of the wrong person. How do you think I feel?
Complaint sub-issue: Problem with personal statement of dispute

ive contacted both comoanys before and have got no results i want inqurirys removed from my credit report i filed report and see no reason these inquirys are not removed
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised and report to the three major credit reporting agencies prior to this complaint. Only to find an unauthorized and unknown account on my credit file. Im demanding that this account be removed and blocked from my credit file. Ive reported this over 30 days ago without a response. Please remove this account immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I am writing to dispute the following information in my file : <Item 1 : I C System, XXXX XXXX, Collection opened date : XX/XX/2020, Balance of {$610.00} incorrect. I filed to have this item disputed and it hasn't went away yet. 

The item I have identified is <inaccurate/incomplete> because<reason for the issue including any supporting facts/evidence>. 
I am requesting that this item be <deleted / adjusted/ removed from my credit history> in order to adequately reflect my true credit history on the attached report. I am asking you to reexamine this item and <remove it from / correct it on> my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021, I set up an AutoPay for my mortgage with XXXX XXXX through my XXXX XXXX XXXX checking account via their website. This AutoPay should of paid the XX/XX/2021 payment. XXXX XXXX did not post this autopayment and subsequently sent to the credit agencies a delinquent payment notice. 

XXXX XXXX sent a late payment notice dated XX/XX/XXXX, which I received on XX/XX/XXXX, and I quickly called XXXX XXXX customer service and spoke to XXXX, ID XXXX. He informed me that XXXX XXXX did not credit my account with the AutoPay for either XX/XX/XXXX or XX/XX/2021 payments. He did not have an explanation why XXXX XXXX did not post the AutoPay since he saw that the AutoPay was set up on XX/XX/XXXX. He did remove the late fee for their error, however. That day I had XXXX XXXXXXXX XXXX make two payments for XXXX and XXXX 's mortgage payments which brought my account current. 

During this period, I have been applying for a new 12 month construction loan with XXXX  XXXX XXXX, Idaho. They informed me that my credit scores have dropped over a 100 points because of this delinquency from when they gave me the initial credit approval to the final mortgage approval, and that the interest rate for the final 30 year loan will have a big hit on interest rate that they can provide. With this news I applied with XXXX XXXX for this construction loan. They declined my mortgage request because of this delinquency. 

I have sent two certified letters to XXXX XXXX Dispute Department, XXXX New Jersey, on XX/XX/XXXX and again on XX/XX/XXXX to dispute this delinquent mortgage payment. I just received their response in the mail on XX/XX/XXXX where they declined my request to withdraw the credit notice to the credit reporting agencies. It took almost 7 weeks for them to respond. I requested a phone call to discuss their error, which they ignored. This error will cost me significant financial harm if not corrected
Complaint sub-issue: Trouble with how payments are handled

I took out a Plus loan for my son and have been making payments regularly. The loan servicer is Fed Loan Servicing with the US Department of Education. The loan is a fixed rate loan with a 25 year payment. I believe that we are in year five of the repayment. My issue is that the amount that is applied to interest and the amount applied to principal is not consistent. There are fluctuations that to me seem that the amounts to each are applied arbitrarily. Here is the payment history for the past six months. I have repeatedly asked the servicer for an explanation but to date have not received a satisfactory explanation : Payment Date Principal Interest XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Perhaps your assistance in this matter could help shed some light on this. I would appreciate any help you can provide and await your response. 

XXXX email XXXX Please let me know if you require further information. 
Thank you
Complaint sub-issue: No notice of investigation status/result

I disputed an account with Equifax about an collection account. 
The dispute was with XXXX XXXX XXXX regarding a comcast cable bill. 
I have made several attempts to get debt validation from XXXX XXXX XXXX regarding this debt. They have not sent me any debt validation. Over the phone I was told by their representative they do not have the information and they need to get it from the original creditor. That was over 2 months ago. 
Equifax had noted the debt came back verified. I do not believe they received accurate information for this collection debt
Complaint sub-issue: Investigation took too long

On XXXX/XXXX/2015 XXXX PM i filed Case number : XXXX requesting that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX be removed from my file as ID theft victim not belonging to me. Equifax responded ; Equifax said : Explanation of closure Please be advised XXXX XXXX XXXX XXXX was verified to be deleted by credit grantor in case number XXXX. XXXX XXXX XXXX account number XXXX was deleted for the credit the file in case number XXXX. 
However it has again shown up on my report. i am requesting Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. They obviously are not willing to provide this which is even further illegal. The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ID Theft victim can request evidence of endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ), or settle in court with law suit. I intend to follow my right if this is not removed within 5 Business days pending any investigation or re investigation.
Complaint sub-issue: Didn't receive enough information to verify debt

on XXXX XXXX a collection was placed on my consumer credit file by the company jefferson capital systems with the amount of {$1100.00}, under the fair depy collections practice i have all rights to ask for this debt collector to VALIDATE this false debt ... a debt validation was sent to this company listed in my complaint and they never responded ... ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I did not authorize anyone employed by these companies to make any inquiry and 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. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX   XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act XXXX/XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute with Equifax and other credit bureaus on XX/XX/XXXX regarding incorrect information on my credit report and score. I sent in copies of my Georgia state id, passport, and social security hoping that they could correct my information on my file. I just turned XXXX XXXX and while researching about credit I found that mines had a charge off from XXXX XXXX in XXXX. I contacted the credit bureau in hopes that they would correct my information and also delete the charge off because at that time i was only XXXX years old! There is no way that I would even be able to start an account let alone pay a bill at that age. I got my results XX/XX/XXXX and I feel that the company did not take the investigation seriously. From the information that I gave to them, to the letter that I sent personally explaining my issues on why this shouldnt be on my credit report. Equifax only updated my information and did not take this charge off from my account I dont understand why this closed account is affecting me still when I gave the company ample information verifying my age regardless of what XXXX XXXX could match because that was not me.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX