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

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 my account without written instructions. 


XXXX was called and failed to investigate my accounts on XX/XX/2022 due to they needed to verify my identity. Proof of my drivers license and proof of bill was sent with my dispute and prior to that dispute they still ignored my disputes. please have them investigate and remove. 
XXXX Also failed to comply with the FCRA as well and did not respond to my dispute nor send me verifications of proof of accounts. 
Equifax has failed me as well all of these bureaus has violated my rights multiple times and I would like these accounts updated immediately as I have proof as well.
Complaint sub-issue: Information belongs to someone else

I have filed three different disputes with Equifax regarding my name over the past three months. Each, and every, representative I speak with assures me that my name has been corrected ; however, when I receive the confirmation in the mail nothing has been changed. I have sent in copies of, both, my Social Security card and my drivers license yet the change is never made.
Complaint sub-issue: Trouble with how payments are handled

I am a XXXX returning to college. I am waiting to see what my federal loans will be for this semester. My family and I have been harrassed with insessant phone calls by Sallie Mae to begin making monthly payments, starting at {$420.00}. I am employed part-time and can not afford this. When I expressed that I could n't afford monthly payments, they offered defferement for {$100.00}. When the agreed date for the payment passed, they claimed they did not recieve the payment. I now owe {$100.00} plus the $ XXXX monthly payment to be allowed defferment again. I can not afford to pay this. Speaking on the phone again, they threatened to take the loan to their collections agency. They resorted to using scare tactics in telling me they dont know how I 'll get more loans for school once they report me. They expressed they did not care if it threatened my future academic career. They are unwilling to work with me so I can continue my education. The original loan amount from Sallie Mae was XXXX. With interest, it is exceeding XXXX. I need help addressing this debt and with negotiating fair and just payment options with this loan while I have extremely low income.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Information belongs to someone else

I wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX {$610.00} XXXX XXXX {$460.00} XXXX XXXX {$570.00} XXXX   XXXX {$1000.00} XXXX XXXX {$390.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX / {$8900.00} XXXX XXXX XXXX
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

have a non profit pnc bank account for years. not used it since XXXX-2016 went to atm yesterday for deposit. account deactivated by bank received no notice. also find out that during that time service fees were charged to it. I was not made aware it was subject to these fees. they were taken. a total of XXXX dollars and change. its bad enough to have account deactivated with no notice regardless of their rules its another thing to receive no disclosures as a result and get fees taken out. bottom line if they charge fees I will need to go elsewhere for now I have a big grant coming in and will despoit elsewhere. please see to it I am refunded these service fees and account is reactivated. NOT my fault. would never think bank would do it with no notice. also if no waiver can be applied then I will be moving on.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting false information on my credit file. I have tried to fix this issue and Equifax is not responding to my requests or in a timely manner. Equifax is the only agency reporting that I have a collection account from a company I never had any contracts with and this collection is in somebody else 's name. The collection agency never gave me 30 days notice that they were placing " this person '' into collections under my credit report. Equifax needs to remove this item it is not mine. I reported this to Equifax as fraud and they have done nothing but false report.
Complaint sub-issue: Account information incorrect

XXXX   XXXX   XXXX   XXXX  show me being late on paymen ts 180+ da ys from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Dispute # XXXX Again I disputed this item XXXX XXXXXXXX XXXX said they reinvestigated and everything came back factual I submitted another dispute proving there was an accurate information sent a picture with my address I actually live at and I typed in my exact address XXXX XXXX XXXX then they said they would change it all they did was change XXXX number and the address and it still shows up as XXXX XXXX XXXX XXXX Tennessee and they sent it back so now I'm disputing again which after the last time they've already made a violation against my rights for not doing the reinvestigation they said or they would have caught that my address was wrong then they said they would fix it and then put a different number so now I would like this removed no one has held them accountable for their violations I would also ask for their {$1000.00} fine as this has been holding me back from getting to my business that has been costing my family extra money and after months and months of trying to fix this I really hope someone can get this removed and protected the consumer rights like I was told was such a priority
Complaint sub-issue: Was not notified of investigation status or results

I have send this company numerous letters and have not gotten any response.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Other problem getting your report or credit score

The Equifax credit reporting company has been denying me access to my credit reports from them as I have been a victum of identity theft and they have been hiding this for several years, then in 2017 they  were hacked and I found my information had been all over this [ Dark web ] sold several times, my private life and information has been severely damaged thru their negligence and failure to protect my information, im afraid to get any type of credit cards or anything because of what I found, I filed a claim with the administrator of the lawsuit and I will not accept any XXXX offers, if I have to I will file suit for minimum of the {$20000.00} claim due to the extent of what I saw, I have been trying for about five years to get a credit report from them, so I know they are hiding something from me. I recently requested thru this annualcreditreport for copies from all three companys and as to date have not received them. I believe I should be compensated for the damages not some pitiful {$120.00} amount. or their so called free credit monitoring which does nothing to fix what they allowed to happen. 

Thank you the files im sending are just a few so you can see what ive been up against with them
Complaint sub-issue: Credit denial

I was looking to purchase a used vehicle last  XX/XX/XXXX . I went to a dealership and we were negotiating a price for a car I liked. I told the salesman that I could probably get the loan from my bank at a good rate. He insisted that the dealership does in house loans and they could probably match the rate and save me the trouble. I told him that I do n't need my credit to be ran around and bounced from lender to lender and he assured me that would n't be the case. Well, I checked my credit report and they tried to get the loan from atleast   XXXX   different banks ( none of which I 've ever even heard of  )!  That  's    XXXX   hard inquires on my credit on the same day! That 's it in a nutshell.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Opened : XX/XX/XXXX ( 4 yrs, 3 mos ) Term12 months I challenge the accuracy, compliance and reportability of this listing. 
... grave errorsfalse claims and reportingI want these late payments removed immediately or litigation may follow. This is unlawfulI was always on-time, you have made an error Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) (  A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section  611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX Have both violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Complaint sub-issue: Was not notified of investigation status or results

Hello, on XX/XX/2021 I sent inaccuracies on my credit report to the credit bureaus and I still have not received word of results from a single investigation! I truly believe they are ignoring my requests and this is hurting me terribly. Section XXXX ( a ) states failure to investigate items in XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX days and I no longer no what to do! These items must be removed immediately or I will file litigation because they are not doing their jobs and operating in a proper organizational manner! I'm at a loss and tried to wait and see if they would get back to me but I can not wait any longer. The bureaus are unwilling to work with me and now I do not believe they have even started an investigation.
Complaint sub-issue: Account terms

Equifax is showing negative information that is over 7 years old on my credit report for XXXX accounts. 
1 ) XXXX loan # XXXX shows late payments starting XX/XX/2010 that are over 7 years old. All negative notations should be removed. 

2 ) XXXX loan # XXXX shows under " Type '' 90 Day Late Payment. This is over 7 years old and detail has already been removed. The entire account should be deleted.
Complaint sub-issue: Reporting company used your report improperly

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.
Complaint sub-issue: Information belongs to someone else

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 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 XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, CHILD SUPPORT ENFORCEM # XXXX, CHILDSUPPORT # XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Complaint sub-issue: Account information incorrect

I have a XXXX XXXX account being advertised on my consumer report. I initiated this transaction using my " credit card '' and my privacy is being violated. I was made to believe that it was mandatory for the furnishing of this charge-off. I have come into information that leads to believe this is false and predatory. Fair Credit Reporting Act does not even define a charge-off. The financial institutions and credit reporting agencies have colluded to infringe on my rights by monopolizing my personal information. I was never given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and nor was given an explanation of how I can exercise that nondisclosure option. Subsequently, I have been charged excessive interest as a result of the lower credit rating following this. 

I am citing that XXXX XXXX is in violation of Title 15 of the United States Commercial Code Chapter 94 subsection 6802 [ B ] [ C ]. I am aware of the civil penalties associated with these violations. 

I have made a report with the Federal Trade Commission on XX/XX/2022 in the same manner and with the same power and authority as the Commission has under the Fair Debt Collection Practices Act [ 15 U.S.C. 1692 et seq. ] engaging them to enforce compliance with such Act.
Complaint sub-issue: Account status incorrect

Re : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account : XXXX. Since 2017 XXXX XXXX XXXX has been trying to fraudulently shake me down for a {$150.00} fee that they said they had waived. I complained to FTC previously about this and XXXX XXXX XXXX sent me a letter saying that that this fee had been waived but they sent me over to collections anyway and my XXXX XXXX XXXX Account says I still owe them {$150.00}. My credit rating is fraudulently lowered to XXXX because of this. I have three separate collection agencies in 3 different states billing me for 3 different amounts of money now : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, fl XXXX : {$150.00}, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. XXXX XXXX # XXXX : {$89.00}. XXXX XXXX XXXX  ( XXXX XXXX ), Account # XXXX, XXXX, OR Telephone XXXX : {$89.00}. I would like these adverse credit data removed from my XXXX XXXX XXXX account & all three ( Equifax, XXXX & XXXX ) credit reports forthwith. I believe this form of Consumer Fraud is endemic in our nation and adversely affects millions of citizens. This shows that the Credit Reporting industry is inherently corrupt, contrived & engineered to intentionally defraud consumers through denial of credit & higher credit rates via this form of unconstitutional legal procedural chicanery.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, has violated my rights US DEPARTMENT OF EDUCATIONXXXX XXXX XXXX, has violated my rights US DEPARTMENT OF EDUCATIONXXXX XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX  xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights 15 U.S.C . 1681 section 602 A, states I have a right to pricacy.

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

Hello. I was the counter at XXXX 's applying for an ln-store line of credit and was denied because of things being reported on my credit report I signed up for an online credit service and discovered Items on my credit that I have no Idea what they are. I'm not sure how my information got Into the hands of someone else, this fraud and I calle the police. Also now had contact with FTC. I'm now contacting you all. Please help me. These are the items that are not mine and I'd like them removed please. XXXX, XXXX, XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive recently been working on building my credit and I noticed some hard inquiries that I dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received unwanted marketing or advertising

Someone got my social security number and thus got my birth date and CA. license information. I am afraid they will try to get credit cards, loans, drain my checking account and other nefarious aacts. I need protection so as not to be held liable for any unauthorized use of my Social security number, CA. license number, etc.
Complaint sub-issue: Account status incorrect

IC Systems # XXXX, # XXXX, and # XXXX are reporting accounts with balances to my credit report that should no longer be on there. I have settled all these accounts and they should not still be reporting collections with a balance. This is in violation and I want these removed off my credit.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a certified debt validation letter on XX/XX/2021 and have not received any information back. I would like this removed / deleted from my credit report.
Complaint sub-issue: Funds not handled or disbursed as instructed

Dear CFPB XXXX, I'm reporting that I have been mistreated by XXXX Bank. I enrolled the XXXX Bank {$250.00} promotional program ( please see attached PDF ) by opening the new checking ( ending in XXXX ) and savings ( ending in XXXX ) accounts on XX/XX/2022. And I have met all of the requirements described in this program language/terms by early XXXX ( XX/XX/2022 ). However, today is XX/XX/XXXX, and the promised bonus ( {$250.00} ) has still not shown up on my XXXX account. I have been trying to contact their customer services by phone, however, no success. Therefore, I have to find a way to get the justice, and I'm glad that CFPB exists. I signed up today and it is the first time in my life that Im submitting a complaint. Please help solve it. Thank you in advance!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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 have a loan with XXXX XXXX. 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 Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 120 days late.