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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency my 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 1681s2 ( 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.
Complaint sub-issue: Information belongs to someone else

i am an identity theft victim XXXX XXXX XXXX Not my account XXXX XXXX Not my account XXXX XXXX Never rented from this place. I own my own home This is not my account
Complaint sub-issue: Their investigation did not fix an error on your report

ON OR ABOUT XXXX AND XX/XX/2020 I DISPUTED ITEMS ON MY CREDIT REPORT. EQUIFAX HAS FAILED TO INVESTIGATE AN UNVERIFIABLE, INCOMPLETE AND INCORRECT ITEM. MOREOVER THE HAVE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEM IN VIOLATION OF SECTION 609
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yer. I feel like I am sadly being take advantage of and being ignored of my disputes. Sections 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 50 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.
Complaint sub-issue: Received bad information about your loan

I applied for PSLF on the traditional grounds in late summer XXXX. The new waiver program was announced in early XXXX. On XX/XX/2021, I received an email that stated my payment count would go up by at least 33 payments ( outside of the XXXX payments I made that qualified my for loan forgiveness under the prior rules ). On XX/XX/2021, I received a letter that stated my loan balance was forgiven. I did not get any refund for the extra payments, nor are the payments visible on my Fedloan account. I filed a case on the Studentaid.gov website regarding the lack of refund. I received a reply stating that I would not be receiving a refund.
Complaint sub-issue: Account information incorrect

This company submitted a hard inquiry to my credit report despite the fact that they have no permission from me to run my social security number and no credit card was requested by me. No CBNA/Sears card exists in my name. I have disputed this issue twice in writing to the address below and have received no response. Because this is considered a " bank error '' by the credit bureaus, they have no power to remove them.     This hard inquiry damaged my credit report and lowered my score. They must remove it in a timely manner and send the removal to all  XXXX  credit bureaus.     Their contact information is below.     CBNA/SEARS   XXXX   XXXX   XXXX      XXXX  Department  Stores    XXXX   XXXX   XXXX    XXXX   XXXX , SD  XXXX  BYMAILONLY
Complaint sub-issue: Problem while selling or giving up the vehicle

Car was turned in on time. Lender for the lease was US Bank. 

US Bank withdrew an additional payment after the lease was returned to XXXX from the bank without permission. 

When I called US Bank, they apologized and said they were going to immediately refund the payment. They did not. 

I then received a final statement 5 weeks after the car was returned stating that I owed an additional XXXX, and had outstanding rent of XXXX and they were going to apply the previous unnecessary and unauthorized payment and that I owed XXXX still. 

I then called and they said they had no record of the previous communications and no record of committing to return the unauthorized payment, but the car was turned in on time and now they are sending back a payment of approx. 700.00 from the overpayment minus the lease termination fee. 

If I hadn't been monitoring the refund, the bank was planning on committing fraud by keeping the overpayment that they took that was not authorized.
Complaint sub-issue: Information belongs to someone else

These accounts are not mine. 
XXXXXXXX XXXX Account number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX
Complaint sub-issue: Company closed your account

I had XXXX credit card with annual fee {$99.00} per year. I never used the card almost whole year. In XX/XX/2021 I received an email from them that {$99.00} annual fee is due. I called them to cancel the card and requested them to remove the fees. They cancelled the card. Next week I received the email that {$99.00} is due. I called them again. They told me that I was one day late and I have to pay {$99.00} and they will not remove this fees. I asked them why did not you told me when I called to cancel the card. There was no answer. I told them I will not pay {$99.00} when I am not using this card and card has been cancelled. 

Now I am receiving regular emails from them to pay {$99.00} for a card which is cancelled.
Complaint sub-issue: Information belongs to someone else

Besides the Student loans all of the Items on my credit report is incorrect 1.My Name is XXXX XXXX from birth 2.my address has always been XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXI never had any Credit Cards in my name Student loans yes but credit cards NO please remove Items ASAP
Complaint sub-issue: Fraudulent loan

XX/XX/2022 FTC.gov I have notified Nelnet that there are two fraudulent student loan accounts that they are reporting on my credit report. They have refused to update my credit report and remove the fraudulent information. I have filed a federal complaint regarding these fraudulent claims that I have student debt with the federal student aid commission as I did not take out any student loans in the amount Nelnet is reporting on their behalf. I had a student loan in the amount of {$7000.00} and the loan was paid it in full with XXXX XXXX. This information that Nelnet is reporting is outrageous and fraudulent in my name. The two loans that are showing are in the amount of {$76000.00} and {$15000.00}. I have asked the federal student aid commission to investigate the fraudulent claims reported by Nelnet regarding debt taken out in my name without my consent. This has severely ruined my credit. Although I have finally been able to purchase a home, this nonsense has caused a great deal of grief and stress for me.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

CRA is in violation of DODD FRANK ACT and several consumer protection laws, also federal and state laws.
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 can not furnish an account without my written instructions.

15 USC 1666B : A creditor my not treat a payment on a credit account under an open end consumer credit as late for any purpose.
Complaint sub-issue: Didn't receive notice of right to dispute

I had no idea my debt from pudget sound collections for {$780.00} I never receive any notices about this debt.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Debt collector has called over multiple dates and has repeatedly been asked not to call my employer by myself and other employees. Last call received was XX/XX/21 after being told on previous days not to call anymore. Threatening tones used also
Complaint sub-issue: Attempted to collect wrong amount

I was sued by XXXX XXXX through a debt collection attorney Nelson-Kennard for the amount of {$2500.00}. This was during the time I had just filed bankruptcy. A year later XX/XX/2019 the seized all the money from my daughters account. The amount of {$1900.00}. I contacted the law firm right away to have them release the funds back into my daughters account because this was not her debt and the account was not mine. The person I spoke to XXXX XXXX agreed. I would make monthly payments and they would release the funds. It took over a week to receive any documentation. The document states the full amount. I sent bank statements, check stubs, all the information they requested in order to prove the account was not mine. They still would not release the funds. After contacting and speaking to 2 attorneys 4 reps they released a partial amount of {$640.00}. And the remainder would be payable to Nelson and Kennard and applied to the debt. After a month of calling, putting together paperwork, contacting other attorneys to get my daughter 's money back. She is only XXXXyears old and has no obligation to this old debt. They still would not release the money. They applied {$1200.00} to the debt. I contacted the firm multiple times I wanted to renegotiate the terms. Since the balanced owed was different. And they did not follow through with the agreement we made. I made monthly payments. I jiust received a notice in the mail saying I am in default and that are agreement is no longer in affect and I need to pay the balance in full immediatly or legal action will be taken. Basically, threatening to garnish or levy my bank account again. Nelson-Kennard has not responded to one of my request. They call and send threatening letters. This whole situation has damaged my  entire family. My daughters XXXX money was taken which she needs for school. The stress and hardship it has caused I can't even put into words. It is by far one of the worst experiences I have ever had. And Ive lost my house, filed Bankruptcy twice been through a divorce. For a debt collection agency to levy a child 's bank account is unethical. All of the turmoil that has been caused because of credit card debt in the amount of {$2500.00}. That should of been included in the bankruptcy but somehow slipped through cracks.
Complaint sub-issue: Old information reappears or never goes away

Around XX/XX/XXXX I got a notification from XXXX that there was a change in my Equifax score. When I checked what the change was it was unclear to me because everything looked good that was reported that changed. As I further investigated I noticed that some old accounts that I previously disputed and got removed had reappeared out of nowhere. I didn't get anything in the mail and it didn't even appear as something new on my credit karma or credit monitoring. According to the XXXX XXXX XXXX XXXX ( B ) ( i ) ( XXXX ) ( XXXX ) that is illegal and a violation. It happened in XXXX too but I submitted a complaint and the information was deleted. I am angry that it is happening again. My score dropped XXXX points! I have submitted a complaint before this one, then ordered a report. Equifax is also in violation of XXXX XXXX XXXX ( XXXX ) there are no comments of my dispute
Complaint sub-issue: Account information incorrect

Disclosed on my consumer report are my credit utilization percentage. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; By disclosing my credit utilization percentage, you are disclosing financial information connected to my banking transactions.

I have also disclosed the definition per15 USC 6809 ( 4 ) ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or. 

So if non personal information are results from transactions, what are late payments and credit utilization I am also noting that I do not consent e oscar verification or any means of automated verification as part of any investigation process Please remove all accounts from my consumer reports that are not metro 2 compliance.
Complaint sub-issue: Threatened to sue you for very old debt

I had received a few calls from an unknown number leaving a cryptic message for me to call them back. My grandmother was in the hospital and finally, they got a hold of my father as well and left the same number to call them back. So on XX/XX/XXXX at approximately XXXX XXXX  I spoke with XXXX XXXX of XXXX XXXX or XXXX XXXX XXXX ; who first off did not mention that it was an attempt to collect a debt. After I mentioned that I did not recognize the first lender name he mentioned ( XXXX  XXXX  ) he said that he would have me put in jail for fraud if they discovered it was not true that the debt was in my name. The company was XXXX XXXX  XXXX  which I did recognize. After some discussion, he stated they would sue me and garnish my wages and take my family 's property - anything that was attached to my social security to repay the debt unless I agreed to the settlement amount he was offering me. He emailed me the originating loan application documents with no password and no disclosure information in the email- in addition, he included no information about his company within the email either. The name of the company he says he works for that he provided on the phone and the name of the company attached to the email address does not exist. Although I can clearly see that he has some form of documentation for a loan I once had that has since aged out and been charged off since XXXX with no payments since XXXX. This is all concerning because the debt is so old and without a lot of the disclosures and required checks I thought were .... required.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2021 i requested MRS Associates to validated an alleged debt they claim that I owe. The debt collector unable to validate the alleged debt. The debt collector violated my rights as a consumer.
Complaint sub-issue: Trouble with how payments are being handled

I am a cosigner for my daughters sallie=mae loan these people should be investigated when she graduated her interest rate went up to 10 percent from 4 percent plus they keep on changing the payment due date even when she was in forberance so they can collect a late fee. I am sure i am not the only one that they are ripping off these students.there practices are criminal worse than loan sharks please help me with this awful company they should be arrested Thank you
Complaint sub-issue: Debt was paid

I was denied a loan due to an erroneous collection on my credit report. My bank informed me of this collection on my credit report from ERC from XXXX XXXX XXXX in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. When I tried to call the number listed on the credit report it was not a valid number. I decided to search on XXXX and it showed many claims of fraud. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a loan. I want this taken care! 
I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!!
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX. I have an incorrect account reporting on my credit report from the company XXXX XXXX, XXXX. I sent a validation letter to XXXX XXXX which was received by them on XX/XX/2020. As of XX/XX/2020 my alleged debt to XXXX XXXX still has not been properly validated. As of XX/XX/2020 XXXX XXXX  continues to report an incorrect /unvalidated/unverified account on my credit report. To my understanding this is against federal law. Also, to my understanding XXXX XXXX XXXX had a judgement against them vs State of Texas in XXXX County TX district court for not acquiring consumer agreements and providing them per alleged debtors request. I have requested a consumer agreement and have not been provided a copy of the agreement as of XX/XX/2020. This is against my federal rights to have incorrect unverified accounts reporting on my credit report.
Complaint sub-issue: Information belongs to someone else

Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX ftc violations attached The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. W
Complaint sub-issue: Debt was result of identity theft

I was first contacted by ProCollect that owed a debt for {$270.00} for an online apartment application for XXXX at XXXX XXXX. I told that them that it was identity theft and that asked what documents I needed to submit to prove so for an investigation. The employee of ProCollect just to send what I thought I should send. On XX/XX/19, I emailed them my IDTheft Report, a letter telling them it was identity theft, and two utility bills proving my address during the time. They then sent me a letter saying I still owed the debt along with the application that was completed on line. None of the information on the application is correct besides my social security number. All other information is incorrect. There is also no driver 's license identification attached with the application. I called Procollect and was told I needed to submit a police report also to confirm identify theft. I emailed the police report on XX/XX/19. On XX/XX/19, the debt was reported to my credit report even after I told them it was not my debt and it was identity theft in writing. I have since spoken to ProCollect several times ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and they say it my debt only because the social security numbers match and the thieves are using an old driver 's license number that is no longer valid, in use, and is from another state. I am a victim of several online breaches including XXXX  breach and my social security number could have been stolen then. An employee named Mrs. XXXX said she was not required to let me have the investigators report even though I requested it.
Complaint sub-issue: Information belongs to someone else

NUMEROUS TIMES I HAVE REACHED OUT TO XXXX  AND TO XXXX  IN REGARDS TO THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES, I HAVE SENT THEM NOTARISED DOCUMENTS, I DON'T UNDERSTAND WHAT IS THPINT OF ASKING FOR DOCUMENTS AND ANY CIVIL COURT REGULATIONS WHEN AT THE END OF THE DAY YOU ARE AT THE MERCY OF THE BUREAU AGENT, OR SOMEONE AT DISCOVER SITTING BEHIND THE DESK MAKING DECISIONS. THSI ACCOUNT IS FRAUDULENT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX 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: Attempted to collect wrong amount

Hello I am making a complaint against two debt collectors & their information can be found below. First the account with the balance of {$520.00} is inaccurate. The past due balance was nowhere near that high, I asked how they came to that balance but the debt collector refused to give me that information. The second account with a balance of {$63.00} was paid in full with the original creditor but the debt collector is still trying to collect on the balance. 

Collection Accounts : Debt Collector Name : AFNI Balance : {$520.00} Account # XXXX Contact Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX Debt Collector Name : XXXX XXXX XXXX Balance : {$63.00} Account # XXXX Contact Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, MA XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax has been sending rightful claimants threatening letter about their claims. They are clearing attempted to intemidate and undermine the claims process of the average American. This company was wildly irresponsible with my protected data and their behavior in attempting to XXXX over the average Joe is reprehensible. 

They will continue to twist and turn to deny money from less diligent Americans Claim # XXXX
Complaint sub-issue: Other problem

I received a call from ( XXXX ) XXXX, I did n't answer but did call back. They stated they were Citi card and asked for my card number or social security number, I did not give them the information because I had a feeling it was a scam. I called Citi from the number on my card and they said that was not any of there phone numbers. I 'm reporting this because these people are probably stealing identities or money from unsuspecting customers of Citibank.
Complaint sub-issue: Information is not mine

I have an XXXX XXXX XXXX account on my report. i have submitted the correct paperwork provided by the XXXX XXXX XXXX. this account was fraud and should not be posted on my account.
Complaint sub-issue: Account status

Equifax Credit Bureau is incorrectly reporting that I was 30 days late for XX/XX/XXXX on my XXXX account. 
Equifax Credit Bureau is incorrectly reporting that there is no data for the on time payment made for XX/XX/XXXX on my XXXX account. 
This incorrect information is causing financial hardship.