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

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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: Deposits and withdrawals

I receive direct deposit funds into my checking account on the third of each month. I receive a check from SSA for my XXXX, of {$920.00} and another for {$540.00} from survivor widow social security supplement. When the 3rd lands on a weekend or holiday i receive payment on the XXXX. I bank with US Bank since XXXX of last year. When i went to withdraw funds from my branch last Friday on XX/XX/XXXX i was told that my funds were on hold. And that the bank notified me by mail. That they were closing my account as of XX/XX/XXXX. But i never received this notice and my account continued to be active. As a matter of fact. Its still active but has a hold on my account funds. The branch employees have tried numerous times to reach the " deposit dept. '' And so have i to get my funds released and to discuss why they closed my account. I can not reach anyone regarding this matter. Iam on a fixed income. I pay my car insurance, my storage, phone bills, and room rental. And im about to lose it all because i dont have the money to pay for these necessities due to the bank not releasing my money. As a matter of fact. No one knows exactly where the money is or whos holding or why. Im at my wits end. And im desperate. I have XX/XX/XXXXXXXX and i wonder if thats why they are doing this to me.
Complaint sub-issue: Information is not mine

please find attached the FTC application along with the dispute letter, the mentioned account are fraudulent and or mixed information from someone with the same name or a similar name that has been entered incorrectly under my name. please remove these expired ( past statue of limitation ) accounts from m y records which are destroying my credit. 
thank you
Complaint sub-issue: Account status incorrect

XXXX XXXX is the only negative account on my credit report. I do not believe I owe on this account and have been unsuccessful in obtaining documentation, but worse this is a third party collection company masquerading as a credit grantor. Third party collection companies may not report as open / active type of tradelines. This has extremely effected my credit score, as my only negative account, as it shows it's an open active account that is currently not being paid on time. It also updates monthly as an active account. Only original credit grantors may report accounts as open / active, or report account type as anything other than 'collection '. Collection companies do this to have the maximum impact on your score, and it is illegal.
Complaint sub-issue: Used obscene, profane, or other abusive language

National Recovery Agency A Responsible Revenue Recovery Company, has claimed i owed a dept. i told them this dept was not mine, they refused to tell me any information about the dept other then it was with XXXX and when i said i would call XXXX they claimed XXXX dsnt keep track of what and who owes them money. then today they called again stating they were dept collectors before confirming who they were speaking with. they had my name but stated and address i never lived at. stated i had confirmed the address with them and they had it recorded. i asked for the recording and they refused to pull it up. they are trying to collect false depts and are a scam. 

there number is XXXX
Complaint sub-issue: Was not notified of investigation status or results

A few weeks ago I had a fraudulent account report to my credit report, this account is fraudulent because I do not owe any lender or creditor. Not to mention I was never sent a letter informing me as the consumer at least 5 days prior to it reporting that this alleged debt was even mine. So now almost 30 days ago I sent a letter about about me demanding this fraudulent account be removed or show viable proof that it is even mine to begin with! These reporting agencies need to remove this account IMMEDIATELY!
Complaint sub-issue: Problem with fees

Unfortunately, I have moved three times in the last 10 months, after my husband filed for divorce. I hate airing my dirty laundry, and being the one with the sob story, but here it goes ; again. I tried explaining this to Citi card, after not receiving my bill for months. I had my mail forwarded with USPS ( multiple times ). Understandably, a few of my bills have been lost and/or never received. This applies to my Citi card. Let me also add, I am no longer even possession of this card. It wasn't stolen, but I cut it up and threw it away a long time ago. The only reason I was ever made aware of this default account is getting an email from XXXX. I have received ZERO phone calls/voicemails advising me of my overdue/late payment. I now have hundreds of dollars in late fees with Citi. I made a minimum payment ( {$300.00} ) today, the same day I received notification from XXXX, over the phone with Citi. I asked the customer service representative if she could remove the previous late fees, due to unfortunate hardship and my bills being lost in the mail. She was able to remove one. ONE. I have incurred a monthly late fee of {$25.00} since XX/XX/2018. In late fees alone, that is {$150.00}. That doesn't include the interest rate that these late fees have incurred. I offered to pay off my entire account ( {$950.00} ) in-lieu of getting the late fees removed. The answer was no. I requested to speak with a supervisor, explained my pathetic situation again, and was again told no. How is it right that I am being punished for something ( the mail ) out of my control. I did what I thought was right by having my address changed with USPS. I called immediately once I was notified of my default account and made a payment over the phone. Do we not have any forgiveness for people that are going through a hard time? I can't afford these late fees. I can't afford the interest that has been incurred in addition to these late fees. I'm a single mother with a XXXX year old boy. A XXXX year old boy that has had to move three times in the last 10 months. I haven't used that card in years ; the card was originally an XXXX with XXXX. Citi Card is a multi-million dollar enterprise. My measly {$950.00} balance will get paid, by me. Do what is right and remove the {$150.00} late fees.
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX is not reporting my mortgage to the credit reporting companies. Mortgage co now states because I filed bankruptcy back in 2005 and did not claim my mortgage to not be a part of the bankruptcy, is why they do not report my mortgage. however, i am attached proof of my property being exempt from the bankruptcy. in addition to the proof from being exempt, I also have a letter from XXXX stating this was their mistake and they are correcting it and going to start reporting it to the credit bureaus
Complaint sub-issue: Information belongs to someone else

I called the XXXX Bureaus after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Inaccurate reports on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 USC 1681.

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 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 1681 s-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. 

XXXX XXXX XXXX ACCOUNT NUMBER- XXXX
Complaint sub-issue: Overdrafts and overdraft fees

Attempted Linking XXXX account and PNC Bank checking account. PNC Bank stated I was no longer permitted to have these privileges due to the prior amount of overdraft fees on my account. I believe this is unfair.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom it may concern, On XX/XX/2018, I received an alert that a new credit inquiry appeared on my Equifax credit report. I was surprised as I hadn't recently applied for a bank product or an account that would require a credit check. The inquiry came from XXXX. I immediately knew this inquiry was initiated by an unknown individual who has been using my SS # to work in the state of Colorado. I have never lived in Colorado. I immediately sent a dispute to Equifax but within a day I but when I attempted to logon to check the status of the challenge I was unable to. The account in question was set up in XXXX, Colo. I have no Colorado address on my credit report. I believe I have a fraud alert on this account as well. So, when XXXX went to verify the credit report, the discrepancy should have been noted. I have tried to resolve this with XXXX as well with no luck. I even did a second dispute with Equifax and the same thing happened when I tried to check the outcome of the investigation. I received an error message saying I am unable to access my account. 

The Colorado Department of Investigations is working on my case of identity theft in regards to the unauthorized  employment. I provide their contact information, if needed. 

Thank you for your time and help. 

Best Regards, XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I am not responsible for this account. It is the result of fraud. I have contacted the companies several times. I even paid the debt with XXXX XXXX XXXX XXXX in the amount of {$130.00} JUST to have it cleared and removed from my credit profile after going back and forth with XXXX XXXX XXXX XXXX the collection companies that have illegally placed this debt on my credit. Continuing to report this debt on my credit profile violates my rights as a consumer to be free from defamation of my financial and economical status.
Complaint sub-issue: Debt is not yours

I received a phone call telling me Citibank is filing a lawsuit against me and filing a lien against my house and my business. The phone call says I owe Citibank {$5000.00} from 2011. All my accounts with Citibank are OK. The man I spoke to was rude and screaming at me telling me I was going to lose my house and my business if I didnt pay. The call back number was : XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US 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: Was not notified of investigation status or results

On XX/XX/XXXX and XXXX, XX/XX/XXXX, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon reviewing my credit report I found information I did not recognize and/or did not authorize. They are the following : Inquiry-XXXX XXXX XXXXXXXX Collection ( s ) XXXX XXXX XXXX acct. XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am aware that in accordance with the Fair Credit Reporting act the accounts listed above have 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: Investigation took more than 30 days

I sent in my disputes to all three credit bureaus on XX/XX/16. They did not send anything in the mail to me about my disputes. I sent out some more for the same disputes on XXXX letting them know it has been longer than 30 days and they have to delete my disputes thats on my credit report. 

**This complaint is for my first set of disputes that they have yet to respond to. Please let the credit bureaus know this. I have sent out a second round of dispute but that does not allow them to extend the investigation. That is a violation of the FCRA
Complaint sub-issue: Having problems with customer service

After several years of loan repayment, I found that I was eligible for a XXXX program, as I am now a state employee. I filled out the paperwork and my loans were transferred to Fedloan. Before a payment was due, Fedloan immediately put my loans into default with the XXXX. I assume this was a mistake on their part and after several conversations with them, they tell me basically that their is nothing they can do. My loans, that I have been paying on for over 5 years are now back in default.
Complaint sub-issue: Old information reappears or never goes away

Equifax have violated my consumer rights. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) and 15 USC 1682g Equifax have reinserted a negative item onto my credit report illegally. I demand that the negative account from XXXX be immediately removed and permanently suppressed. I have attached proof of my previous dispute and deletion
Complaint sub-issue: Information belongs to someone else

So I applied for a business loan about a week ago and I was told that I did not get approved but I didn't know why then today XX/XX/20 I got a letter saying that the reason I was not approved for the loan was because there were some accounts with negative history ; I had no idea what accounts they could be talking about so I looked through my credit report and I saw three accounts and some inquiries that aren't mine. I don't know why these accounts and inquiries are on my report or who they belong to but I did not give anyone permission to open these accounts in my name. I did not open any of those accounts and I have never had any contract or agreement with the companies I listed on this report. I did not make payments towards any of these account balances nor did I benefit anything as a result of these accounts that were opened in my name. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Complaint sub-issue: Don't want a card provided by your employer or the government

retired received a usbank reliacard took me two days to cancel was told to use this web site to report fraud.
Complaint sub-issue: Information belongs to someone else

Greetings, my name XXXX XXXX and I am reaching out to delete this item from my credit report. I am a victim of identity theft and did not authorize this item on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete this item as soon as possible. 


Account Name : US DEPT OF ED Date Opened : XX/XX/2015 Type of Account : Education Loan Account Number : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit has been due to fraud Number of recent serious delinquent inquiries on credit bureau reports need to be removed off individual my credit report within 30 days without proof of original document. 
false Length of credit record Insufficient false payment activities on my statements on my credit report
Complaint sub-issue: Information belongs to someone else

EQUIFAX, XXXX  AND XXXX  HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.
Complaint sub-issue: Their investigation did not fix an error on your report

THIS IS NOT A DUPLICATE COMPLAINT - IT IS A NEW MATTER FOR A DIFFERENT YEAR THAN PREVIOUSLY SUBMITTED. PLEASE READ THE COMPLAINT CAREFULLY. 

I submitted the following complaint " On my XXXX & Equifax reports for the XXXX XXXX  Subsidized Loan ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off. '' XXXX closed out stating they did not have to investigate because it was substantially similar to previous complaints that had already been investigated. 

This complaint is NOT similar to other complaints previously submitted. If you read the complaint, it is referencing a late payment you are reporting in XXXX. The previous complaints are for XXXX and were regarding a different dispute entirely that was in re to a forbearance and whether the backdating of the forbearance should result in the XX/XX/XXXX late payments being removed. This is in re to You were paid off in XXXX and now are reporting a late payment in XXXX. The late payment in XXXX needs to be investigated and removed because it is after the loan was paid in full.
Complaint sub-issue: Information belongs to someone else

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation
Complaint sub-issue: Didn't receive enough information to verify debt

Alliance One debt collector Account # XXXX Creditor : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  BALANCE DUE : XXXX I ONLY WILL DEAL WITH THE ORIGINAL CREDITOR TOLL FEES WERE PAID THIS XXXX IS SOME ASSESSED LATE FEE ( S ) ADDED ON AS ADDITONAL MONEY OWED I AM TAKING IT UP DIRECTLY WITH ORIGINAL CREDITOR ONLY- ASKING FOR A WAIVER OR FORBEARENCE DUE TO NATIONAL EMERGENCY
Complaint sub-issue: Information belongs to someone else

Credit report shows that I have a XXXX  XXXX XXXX Credit Card # XXXX was opened XX/XX/XXXX. This is incorrect because I was not born until XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a complaint requesting that Credit Bureaus will reinvestigate the disputed Account XXXX XXXX Balance Owed : {$940.00} from my credit report as well as update this Account from my report during the investigation period. As of this date, Credit Bureaus have failed to respond to my request. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range.
Complaint sub-issue: Their investigation did not fix an error on your report

An erroneous Chapter XXXX is reporting on my credit report and LexisNexis will not provide Method of Verification
Complaint sub-issue: Funds not received from closed account

I applied to open an account with XXXX XXXX, a division of Midfirst Bank on XX/XX/2021. The account was approved on XX/XX/XXXX. On XX/XX/XXXX {$100000.00} was withdrawn from my transferring account - XXXXXXXX XXXX. On the evening of XX/XX/XXXX XXXX  sent an email notification of a failed transfer. I have called twice XX/XX/XXXX and XX/XX/XXXX. The first time they said they had no record of the transfer. The second time I was told the bank was closing my account for " business reasons '' and the funds should be transferred back to me by XX/XX/XXXX. XXXX XXXXMidfirst Bank is still holding these funds currently - this is theft. 

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

I am writing this due to non-compliance with Equifax, XXXX and XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Deposits and withdrawals

Well, I have a loan with Money Lion and the payments are {$84.00} a month. I initiated a payment for {$84.00} on XX/XX/2023. The payment was due on XX/XX/2023. Money Lion accepted the payment on XX/XX/2023, but also took another payment for {$84.00} again on the same day, which caused my XXXX  XXXX XXXX XXXX checking about to have a negative balance and cost me a {$30.00} fee. I contact Money Lion about the issue several times and they hung up the phone in my face and ignored my emails. I had XXXX  XXXX XXXX XXXX reverse the transaction and then Money Lion said I missed a payment and they would mark it as late for XXXX, and shows I next payment was not due until XX/XX/2023. They flat out refused to update their system. 

Then I sent a check to Money Lion on XX/XX/2023. My bank shows that Money Lion cashed the check on XXXX XX/XX/2023, but my checking account at Money Lion does not show a deposit for that amount. When I called Money Lion, I spoke with two people and they claimed that they never received the check, but it was in fact cashed by them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Convergent AccountsXX/XX/XXXXXXXX XX/XX/XXXX # XXXX has violated my rights. 

XX/XX/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: Impersonated attorney, law enforcement, or government official

XXXX XXXX XXXX and Discover have filed a law suite against me in XX/XX/2019 at XXXX XXXX XXXX Superior Courts | XXXX Courthouse | Contract and they have been stalking, harassing, intimidating, threatening, and assaulting my family.