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. 

Account name : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX Account # : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account # : XXXX Account name : XXXX XXXX XXXX  XXXX Account # : XXXX Account name : XXXX  Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX 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 person knows or has reasonable cause to believe that the information is inaccurate.

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and the above accounts without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have not been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that these accounts be reinvestigated and deleted off of my credit report immediately. I do not owe theses debts and I am requesting a cease and desist immediately.
Complaint sub-issue: Information is not mine

I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, XXXX please help me remove these from my report? 

XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I never authorized LexisNexis to obtain my credit report.
Complaint sub-issue: Information belongs to someone else

I have disputed the late payments report on XXXX  XXXX. The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Complaint sub-issue: Billing dispute

RE : Credit Freeze Fee Charged XXXX by EquifaxIn XXXX, 2015 I requested a security freeze of my credit file along with a fee of {$10.00}, which is the fee for residents of California. Equifax erroneously claimed that I submitted an incorrect address and denied my request. Equifax nevertheless cashed my check. 

In XXXX, 2015 I responded to Equifax by letter providing substantiation of my address and other identifying information and again requested a security freeze of my credit file along with another {$10.00} fee. 

In the XXXX, 2015 letter I requested a refund of my original {$10.00} fee as I should not be charged XXXX for freezing my credit file. I have attached images of the XXXX cancelled checks. 

Please send me a refund of {$10.00}.
Complaint sub-issue: Reporting company used your report improperly

I have a auto loan for a car with XXXX XXXX. I don't even own possession of the vehicle with the account they have me associated with that is still open. 
1. Account is reporting with 3 different amounts of high credit. 

If this is the same account being reported by the same creditor, why are my XXXX XXXX Account, XXXX XXXX Account, and my XXXX  account have different amounts? 

In accordance with the fair credit reporting act 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 a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX Balance Owed : {$65.00} ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Complaint sub-issue: Old information reappears or never goes away

It was reported on my credit that i owed XXXX XXXX XXXX XXXX dollars. it was reported on XX/XX/2018. The company XXXX XXXX has taken over the debt. i have since called the company between the dates of XX/XX/XXXX-XX/XX/XXXX can't remember exact date, but i called and asked if i paid off the debt will it be deleted off my credit report. i was told yes but i would have to pay in full. so i did pay in full and the money pulled out of my bank account on XX/XX/XXXX. i was then told by my credit fixing company that it shows paid but the company is still keeping it on my account. i called on XX/XX/XXXX and asked the enhanced company why is it not deleted off my account i was told they don't delete but they do show its paid in full and kept on the account. i then explained to them that's not what was originally told to me and in fact it was stated that my account would be cleared. i then told them due to this my credit score will remain in a negative light and i wasn't sure why if my account is cleared of the debt why can't it be deleted. again i was told they don't delete items off the accounts, they just say it was paid off.
Complaint sub-issue: Trouble with how payments are being handled

Fedloan has been a nightmare to work with for several reasons : First, their website does n't give all information pertinent to the loan in question. I recently obtained a student loan for XXXX XXXX. The website stated that all prior loans were in forbearance and showed no interest owed on the subsidized loans. My classes ended in XX/XX/XXXX. Suddenly, in XX/XX/XXXX, interest showed up on the website dating back to XX/XX/XXXX when the program completed for each of the loans giving no chance to pay the interest as the loan progressed. This is fraudulent, in my opinion. If loan interest is being capitalized, it should be reflected on the website. <P/>The website automatically cancels direct debits while the loan is in a forbearance or deferment and does n't allow for payments to be made automatically during this time. Thus, the borrower must manually go online to make payments during those times. Meanwhile, no notification is made to the borrower that the payments have been ceased, so unless the person is actively monitoring the website, it 's impossible to know that the payments are n't continuing. <P/>Most recently, I submitted a request to change the account I 'm direct debiting my payments from as well as my wife 's account. I processed this request more than a week before my payment was due. A week AFTER my payment was due, I got a notification that I was late. The website currently shows that my wife 's next scheduled direct debit is XX/XX/XXXX for double the amount I requested. It also says there 's a manual payment being made in the amount of {$170.00} that is in process. <P/>Additionally, Fedloan will take sometimes up to a week and a half to complete a payment from an account. Meanwhile, the account is earning more and more interest. I believe this is also fraudulent. <P/>Also, as a note on the income driven repayment plan, my wife an I used it exclusively since XX/XX/XXXX when I graduated college. During that time, sometimes it showed that we owed payments of {$0.00} and gave us long periods of forbearance. To have the minimum payments automatically set to far below the interest capitalization is setting students up for failure. A couple of our accounts had accrued hundreds on hundreds of dollars in back interest during that time. It was n't until I began working in the XXXX XXXX that I began to understand exactly what was happening and started to take measures to correct it. This practice is unethical at best and should be illegal. I applied for the same repayment plan with XXXX ( XXXX XXXX ) and XXXX XXXX and neither of those providers gave a payment that was less than the interest owed each month. Even currently, my total owed payment on {$14000.00} with Fedloan is only $ XXXXmonth. That 's insanity.
Complaint sub-issue: Keep getting calls about your loan

I am a student in XXXX FL campus of XXXX XXXXXXXX College, I am not in XXXX FL campus. 
My course is over as of XX/XX/XXXX. 
I have not found job in the field yet. 

I was told I will get 6 months time after completion of course and than my installment payments will start, for student loan. 

But I started getting collection calls from XX/XX/XXXX. 

And I must have got 50 calls. 


I made payments up to XX/XX/XXXX ( I paid {$75.00} every month, from XX/XX/XXXX till XX/XX/XXXX ). 

XX/XX/XXXX till XX/XX/XXXX I paid {$20.00} a month. In XXXX I started getting collection calls so I stopped paying. 
College has given me XXXX balance statement, that I owe nothing, which I emailed to Tuition Options, but again I still keep getting collection calls. 

There is some thing very fishy, I emailed to president of college too. 

The person in charge of student finance Mr XXXX is the main cause of these problems. he has left the XXXXC.
Complaint sub-issue: Their investigation did not fix an error on your report

Pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

There are inaccurate items on my credit report in the attached dispute. The consumer reporting agency violated federal law due to not deleting the inaccurate items in my attached dispute letter. The accounts below are inaccurately being reported on my credit report. Please reference the dispute letter. Dispute letter was also mailed to Equifax on XX/XX/22 under USPS tracking # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} xxxxxxxx XXXX XXXX XXXX XXXX XXXX  Credit Card with account # XXXX XXXX XXXX XXXX  with a balance of {$3000.00} XXXX XXXX with a balance of {$1100.00} Delete the inaccurate accounts on my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the XXXX accounts listed below has violated my rights. 

XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX 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: Public record information inaccurate

Since XXXX of this year I have written in to all three credit reporting agencies to address accounts being reported inaccurately. The accounts that are not being reported accurately are XXXX XXXX, XXXX XXXX XXXX, and Capter XXXX bankruptcy. XXXX XXXX is still reporting late payments when the account has been closed/ paid in full. XXXX XXXX XXXX is invalid because the account is not mine and should not be on my credit file and lastly the Chapter XXXX Bankruptcy is not mine, no monies owed, being reported inaccurately also to my knowledge all public records that are not being reported accurately were to be removed XXXX XXXX, 2017 which also has not happen in my case. I have sent all companies formal written disputes none have replied with supporting documentation of the debt being valid or verified. I have written in to all three credit reporting agencies to have these accounts removed which also to this day has not happen.
Complaint sub-issue: Card opened as result of identity theft or fraud

In XX/XX/XXXX, I was notified by my credit union that there was a judgement filed against me for {$4500.00}. I was advised that it was in regards to an account with Citi Card. The account had been placed with XXXX XXXX. On XX/XX/XXXX, I had placed a call to Citi Card with the assistance of XXXX and was advised that they could not locate an account. I then spoke to their Collections Department and was advised that the account had been sold to XXXX XXXX in XX/XX/XXXX. I spoke to XXXX XXXX and was instructed to call the law office of XXXX XXXX. I spoke to XXXX at the law office, who just advised me that I needed to get a lawyer and that he would send me support of the debt. I was able to get the hold removed off of my bank account. The Citi account was not showing on my credit reports. I was given support of the account from the court. This account was opened on XX/XX/XXXX. The application showed my name as, XXXX XXXX XXXX. The date of birth was correct, as well as, my address. The application had a different phone number and wages listed. The documents I received from the court, showed my daughters address. Based off of the documents received, I was served papers at my daughters address. Neither, myself or my daughter received the packet. Somewhere along the line, the billing address was changed to an address that I never resided at. I have attempted to fight this with Citi Card, XXXX XXXX and XXXX XXXX. I have not received any support showing payments were being made and from my bank account. I have not received support showing the transactions incurred. This account was not opened by me or anyone else who I had given permission to do so. I have filed a police report, as well as, a report with the FTC.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to get XXXX and Equifax to resolve the issue on these two accounts. I have complaint about the HIPPA privacy violation and have complainted to XXXX for their assistance. I am continue to receive calls about my medical condition wich is againt the HIPPA law. I have also filed complaints with CFPB and directly with XXXX and Equifax and as of today no resolution. Please comply with my request. I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : DISPUTED ACCOUNTS 1. XXXX XXXX XXXX Account number XXXX 2. XXXX  XXXX XXXX Account XXXX
Complaint sub-issue: Debt is not yours

I received a copy of my credit report and noticed a company reporting medical collections on my credit I sent a letter in writing to the company explaining that the debt does not belong to me and requested for proof of all documents along with my HIPPA Form acknowledging that the debt belong to me.they sent me a billing statement and on that billing statement I have never had an account with this company. I have disputed the accusations with the credit bureaus and they claimed that the accounts was verified but that is not true I ask the company and the credit bureaus to send my complete accurate information showing that these collection accounts belong to me which neither have done so please look into this. it's not okay for a company trying to collect money that a consumer does not owe
Complaint sub-issue: Problem getting report or credit score

My score dropped XXXX after XXXX credit inquiries on Equifax according to XXXX, asked XXXX MY score that they report but was not given the information. Asked how could my score dropped so drastically and was given no answer. Informed that I can pay to get MY report but not MY score. A change in score like the one I 'm suffering with should come with some answers and a way to dispute.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XXXX/XXXX/17 after receiving my recent statement, I realized that there were fraudulent charges on my card, after several calls to talk with the current person and have my card closed I was also notified that a " person '' not me had also tried to call them earlier that same day to get more access to my card. This was denied since they did not pass security checks but I was NOT notified of this and when I asked why was told that there was a " glitch '' in system. No other explanation or apology. After several painstaking hours just to get them to close my account ( It should NOT take that long ), I asked to have management call me to discuss the matter as I was not comfortable EVER using a citi card again. It is now 3 days later and NO call but of course they already sent me a new card since their priority is not customer safety but making more money. I want an explanation as to how easily this could happen and I also did not get assurance that these charges are not going to be taken off my account.
Complaint sub-issue: Don't agree with the fees charged

I received a notification to re-certify my income based repayment plan in late XX/XX/XXXX. I downloaded my XX/XX/XXXX tax return and completed the re-certification process on XX/XX/XXXX. On XX/XX/XXXX I logged in to make my payment due XX/XX/XXXX and saw it was ~1,800. This is NOT income based. I contacted customer service. Apparently the upload function for my tax return was not working on XX/XX/XXXX, which I did not know. I was informed I should submit it then. I did while I was on the phone with the customer service agent. And told it would take 7-10 days to process. I asked if there was anyway to speed that up so that I would still be able to make my XX/XX/XXXX payment. He said no and that I could request a forbearance. I did not want to do this, as I am not making any progress toward loan forgiveness and the loan provider is making money on interest accrued while I am in forbearance. He said I would only need a one month forbearance and that I would have my new amount for my XX/XX/XXXX due date. <P/>I called back today, XX/XX/XXXX, to again ask if there was anyway to speed up the process as I was unaware they were missing documentation after my first submission on XX/XX/XXXX and I am in the process of looking to buy a home and need a loan letter to confirm my actual payments on income based repayment plan. The lady informed me it was my fault for not doing it sooner in XX/XX/XXXX, that they have n't been able to process these re certifications in 7-10 days all year, and I was looking at 2 months and the forebarance request to XX/XX/XXXX would n't be enough. She was unable to tell me when my recertification request would be processed. <P/>I can go to studentloans.gov and plug in my AGI from my tax return and find out my payments under my plan in less than 2 minutes. It should not take up to two months to re-certify. I should not miss two months of payments towards loan forgiveness and the service provider should not be making money of my forbearance requests. <P/>In an XX/XX/XXXX XXXX XXXX article FedLoans was contacted and gave a statement that they were taking steps to correct the problem of significant delays ( defined as more than 15d turnaround ) and they expected to catch up later that month. That clearly has n't happened and it is unacceptable.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX ands I am submitting this CFPB complaint as a follow up to the previoue CFPB complaint I submitted on XX/XX/XXXX. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX and I am including these items once again.
Complaint sub-issue: Company closed your account

On Tuesday XX/XX/2022 the Citibank is closing mine. 
This is every wrongful to close mine account. 
I need someone to investigate this. I call Citibank talk to customer they did not helping me at all them every meaning to me, and XXXX to me and said am XXXX have no money and dont need to open the account. 
I would like Citibank turn in all phone call when talking to the customer on the record line when I call customer service. 
That is every XXXX by Citibank customer.
Complaint sub-issue: Reporting company used your report improperly

Equifax, a service i had no option to opt-in or opt-out of using, allowed my PII to be obtained by people with malicious intentions. The personal information that was obtained includes name, current address including address history, social security number, state issued ID number, birth date, and more. 

This information is not able to be changed like an email address or password. The impact of this situation will follow me for the entirety of my life.
Complaint sub-issue: Account status incorrect

Credit company " PNC Bank '' is reporting late payments on all 3 credit bureaus. 
dates : XXXX and XXXX year:XXXX. I did not give permission or consent for " PNC Bank '' to give a third party, which is the " Credit Bureaus " authorization to report late payments. I have never had the opportunity to Opt Out of any information being disclosed to a third party. Clearly this is a violation and this is hurting my credit score.

( Action ) The action that was taking was me send a dispute letter to the company ( PNC Bank ) and this.

pursuant to 15 usc 1681 ( 2 ) ( A ) ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report ; So that means any transaction between the consumer, which is I, XXXX XXXX and the " person '' which is the creditor, " PNC Bank ''. 

Pursuant to 15 usc 6802 ( b ) ( 1 ) ( A ) states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is 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 ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.