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. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Company closed your account

Please refer to my earlier CFPB complaints about this bank ( ally bank ) : XXXX XXXX My husband was told by XXXX ( from Loss and Prevention Department XXXX and email XXXX ) that the entire will be taken care of. I had already wasted 45 minutes last week in terms of dealing with them. Another 1 hr 45 minutes yesterday to contact the Loss Prevention department. Yesterday i was told that my husband should be speaking to them-I have no idea what's going on? 
My husband has already spoke to them multiple times and sent numerous emails. 

This bank is very notorious and cheap - very long wait time - around 2 hours some of the time-why not they hire US Workers locally. 
It's not at all clear what needs to be done ... my spouse was told to send {$3200.00} so that account will be closed. He already instructed them via email. 
We had a check of {$830.00} which for more than 2 weeks back was deposited. We have no idea what happened to the check?

Yesterday i received this letter from them to pay them money ... after that myself and spouse are wasting time to reach out to them and on hold of more than 2 hours. This XXXX guy is not available ... if we speak to somebody else ... we get a different story ... this bank is really good for nothing.
Complaint sub-issue: Account information incorrect

XXXX account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX XXXX reported a balance of {$12000.00} to XXXX. To XXXX they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XX/XX/XXXX I recieved a settlement offer that states the balance as {$16000.00}. To XXXX they reported the account as opened with a balance. To XXXX they reported the account as closed with a balance. To Equifax it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and XXXX and XXXX  allowed, and continue to allow XXXX XXXX to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because XXXX and XXXX continue to allow XXXX, XXXX to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding XXXX 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information XXXX has been reporting to all three credit bureaus. Equifax now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>XXXX, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that the Credit reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB complaint to help establish a legal recourse. My information has been exposed in the Equifax data breach. The following account, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please have the following items removed as soon as possible : 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  Original Creditor XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$410.00}
Complaint sub-issue: Trouble getting a working replacement card

On the date XX/XX/XXXX of this year Unemployment released my payments to KEYBANK which than processs me to receive a card. KEYBANK NEVER SENT ME A CARD! They keep telling me unemployment never sent a email to the bank for my account to be unlocked! THATS NOT TRUE! UNEMPLOYMENT SENT NUMEROUS EMAILS TO KEYBANK FOR MY ACCOUNT TO BE UNLOCK AND I BELIEVE THEY DID SEND S EMAIL BECAUSE I STILL WAS RECEIVING AND STILL RECEIVING PAYMENTS BUT ITS ONLY DUE TO THE FACT I SWITCH THE OPTION TO GET DIRECT DEPOSIT! ITS OVER {$4000.00} that unemployment sent to key bank and the bank never even sent the bank back! Its to the point I call the bank they now telling me its {$0.00} in my account so wheres the money that was sent since XXXX?!?! Im so confused and I need help!
Complaint sub-issue: Was not notified of investigation status or results

Americollect INC # XXXX is reporting a debt I do not owe. I was not informed of my 30 day right to dispute nor have they provided any proof that this account belongs to me or that the debt is valid. I would like this account to be removed off of my credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  Account # XXXX, XXXX and XXXX XXXX Account # XXXX, XXXX and 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, 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

Regardless of the multiple written requests, XXXX XXXX account is still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX
Complaint sub-issue: Account terms

My  XXXX  payment for the ford motor credit account was not late. the consumer reporting agency equifax False reported a late payment to ford motor credit. the payment is due on the  XXXX . I made the payment on Friday the  XXXX  which was a Friday, a holid ay (   XXXX   XXXX   ). o n sunday the  XXXX  equifax reported a 31 day late payment. there is no way that ford mortor credit reported a lated payment, they were closed for the holiday. The company also put on my account that it was already paid on Friday.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a previous complaint with CFPB and I have just received a credit report from Equifax showing the amount still owed, CFPB Complaint number XXXX. 

This account must be marked closed as I see it listed as late with a full balance showing. 

See attached report and original documents.
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 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.
Complaint sub-issue: Non-sufficient funds and associated fees

On XXXX/19, I received call from my bank PNC from fraud department, that I have un suspicious transaction on my account. I go online, and saw that I have 2 same pending transaction on my account $ XXXX, I call to bank, they close my debit card, and issue provision credit back on my account. Yesterday I deposit check on my account, and a soon i open my information, I saw that from account debit again 2 same transaction $ XXXX on XXXX/19, from my old debit card, which was close on XXXX/19. I spend on a phone with PNC, over hours, trying to get back my money. I do not understand how they protect they customers if they aloud to take money to someone from close debit card. So after spending hours with PNC customer service representative, who hang up on me, after I spoke with supervisor XXXX who also put me on hold, and transfer me back to the line on hold, I did not get any resolve and I did not get my money back on my account.
Complaint sub-issue: Information belongs to someone else

I found some fraudulent accounts on my credit report and I sent necessary paperwork to Equifax to have them removed and Equifax has not done anything.
Complaint sub-issue: Charged too much interest

Discover Credit Card - Minimum payments have been made for years but the balance does decrease. I have called numerous times either the representative has a hard time explaining or the explanation never makes any sense. Today XX/XX/XXXX I am on the phone with a representative who can not explain it and had to get a supervisor. 

When minimum payments are made Discover practices does not pay all of the interest with the payments. Then they take the unpaid interest and roll it back into the balance. 

Understanding it's a different rate for cash advances and purchases. One example ; they lowered our interest rate on XX/XX/XXXX ( without notice ). This sounds great but they create another account. They then apply the payment to the lowest interest first and lowest balance first. At times the interest is not covered for all so they add the rest into the current balance. 

Another practice is that at some point ( not sure when ) a lump sum interest charge is added. They state that since all the interest was not paid it required a lump sum interest payment. This was also added into the balance. 

My Grandmother is the original holder of this card and now I am secondary. This is a predatory practice.
Complaint sub-issue: Banking errors

I caught my father, XXXX XXXX, who lives at a distant address in another town with my sister stealing mail from me ( these letters are mailed in my sister 's name XXXX XXXX who shouldn't get mail here and he claims she told him to steal from me ) but this time he wanted IMPORTANT TAX RETURN DOCUMENT ENCLOSED : Citibank XXXX XXXX XXXX XXXX XXXX, TX XXXX -- I refused him and returned to sender!
Complaint sub-issue: Contacted me after I asked not to

On CFPB Complaint # XXXX, dated XXXX, XXXX, we repeated a request for First Tennessee Bank to stop collection calls. The first request came in a CFPB complaint dated XXXX/XXXX/XXXX though not as explicit. First Tennessee Bank responded XXXX XXXX, XXXX, saying that " ... have stopped calls going forward. '' The calls have continued. 
I 'll apologize ahead of time for the length of this complaint. Their diligence in harassing us caused me to reread our agreement for this XXXX mortgage loan. This was never a credit card loan ; it was a XXXX mortgage loan secured by the equity in our home. The loan was written in XXXX, we paid monthly payments faithfully for six years until we lost employment and all severance pay was gone ; additionally, by that time, property values had fallen and the house could not be sold for enough to cover the XXXX and this XXXX mortgage. The loan became " unsecured ''. The loan documents speak of maintaining the property, loss of employment and the bank 's ability to forgive this loan. We can not understand why they have chosen us to be unworthy of forgiveness. When we contacted them in writing, XXXX, XXXX, our credit score was XXXX. We explained our inability to make additional payments because of loss of employment. Not once did they respond to us saying that an appraiser would be assigned to determine the home 's value as stated in their agreement. In fact, we heard nothing from them except to say that a 40 - 60 % repayment was their minimum if the house was sold. Our Realtor said that could not be done given the market. We have used money from our pockets and money from this loan to continue to upgrade this property ( pictures are attached ). When we purchased the home, it had a shack roof. California outlawed because of fire hazards, so we replaced the roof with a 15-year comp roof. Not shown is the banister that we added to the stairs leading to the bedrooms. Not shown is the new wood stove. We have also attached portions of the signed agreement with First Horizon that substantiate our statements.
Complaint sub-issue: Account status incorrect

Sallie Mae is reporting my accounts as having a balance. The accounts are closed and the balances are all XXXX. 

When I filed a dispute with the reporting agencies, Sallie Mae told them their reporting was accurate even though they know it isnt. 

All accounts have a XXXX balance and are closed.
Complaint sub-issue: Termination fees or other problem when ending the lease early

Hi there. I have a lease with US Bank for a XXXX XXXX XXXX. I had personal circumstances arise where I have to move to XXXX. I want to point out that when I purchased the XXXX, my driver 's license was from the state of XXXX. My house in XXXX just sold and I would like to take my XXXX with me. However, US Bank won't let me take the car due to the contract ( Section B7 ). US Bank also won't allow me to sell the car to a third party. The only options they are giving me is to purchase the XXXX. However, the XXXX remaining lease payments and fees would be added so the purchase price would be very high ( more than it is worth ). The second option is to drop the car off at a dealership and get a bill for the remaining lease payments plus fees. Both options are very expensive. I have tried to talk with them, but they won't help. I attached the lease contract ( XXXX template ) and their denial letter.
Complaint sub-issue: Frequent or repeated calls

Automated system calls at various hours 7 days a week but when I answer there is a recording to call back, they are a debt collector. I have called back and been put on hold until I just hang up. I have no idea what they want or who they are. Our above number has been on the do-not-call registry since 2007. Additionally, we do n't have any debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a Hard Inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX. I do not know where this Hard Inquiry came from, and I did not authorize this Inquiry on my Credit report. I do not know who XXXX XXXX or XXXX XXXX XXXX is. Requesting the hard Inquiry to be removed from my Credit Report.
Complaint sub-issue: Didn't receive enough information to verify debt

This company is reporting debt on my credit report and I am unaware of the account. I have communicated with them VIA MAIL and asked them to dispute the unauthorized accounts from my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

This issue is an existing problem which Equifax, XXXX and XXXX  weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX****
Complaint sub-issue: Problem with personal statement of dispute

I contact company under FDCPA requesting copy of credit appl and loan or repayment agreement. They continue to fail to produce these documents yet they also refuse to remove the illegal debt form credit agency 's.
Complaint sub-issue: Their investigation did not fix an error on your report

Results of my dispute were mailed to me via USPS indicating that my dispute had resulted in 7 items being deleted from my credit report, as indicated in attached file. 

Items are still appearing on my credit report 4 months later and Equifax phone operators place me in a permanent phone loop, leaving me on hold for hours
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX 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: Their investigation did not fix an error on your report

I have provided Equifax with all the information they need to " block '' the fraudulent account listed on my credit report, yet they haven't. I told them that my information was compromised due to the data breach they caused in 2017, and have provided documents showing that I was a victim of that data breach. Remove the account!!
Complaint sub-issue: Contacted your employer

CREDITOR KEEPS CALLING AND LEAVING VOICEMAIL AT MY EMPLOYER PAYOFF IS THE COMPANY NAME HAVE CALLED 2 TIMES IN ONE WEEK XX/XX/XXXX XXXX XXXX  XX/XX/XXXX LEFT VM NOT SURE WHAT TIME THEY CALLED.
Complaint sub-issue: Personal information incorrect

I really need help removing old addresses that don't belong to me and it's not even required under the provisions of FCRA. I've contacted each credit bureaus individually and sent them all the documents for over a year now, but they've failed to removed those addresses on the attachments. Please see the attachment for detail. it's my understanding under law, that the agencies are held to a high standard to ensure that the information on the consumer credit is 100 % accurate and things that don't need to belong there, therefore, need to be removed. I'm asking again, and I've attached it here as well, Please delete those addresses. As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated informationmustbe deletedimmediately from my credit report asthey are not reportable as per theFCRA, since they are inaccurate. Please delete and send me an updated report!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I submitted a dispute letter to all 3 major credit bureaus several months ago. Unfortunately I have not heard back from them in over 3 months and I still have a lot of inaccurate information on my credit file. I would really like to fix my credit report but have been having the hardest time with the credit companies actually investigating my issues. I tried mailing in my request and didn't get an answer back then I sent it certified and still didn't get an answer back. I know that if the credit companies would just look into my issues I would be able to fix my credit.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX, EQUIFAX, XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ran an unauthorized credit inquiry on me on or around XX/XX/2017.I never give written, oral or signature to authorized such a transaction. 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence.

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], In addition, as part of your investigation, I am not understanding how these dealerships have salesmen that outright lie and misrepresent a potential customer or client. I was totally unaware that this gentlemen had done this to my credit.

I have another request that I would like to be honored for exclusion / early deletion for the inquiries that are with my permission and I due to fall off in a few weeks. I humbly ask to have XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX If you have any questions or need additional information, please contact me at address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Phone XXXX Thank you. 

Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 agencv can not furnish a account without my written instructions
Complaint sub-issue: Problem during payment process

I opened a home equity loan with XXXX XXXX. As part of the process, XXXX XXXX paid off and closed several of my credit cards. One of these cards was Citi Bank Diamond Preferred Card with a balance of {$4000.00}. XXXX XXXX sent a cashier 's check to Citi Bank with a close letter in this amount. The account was closed, but Citi Bank said they never received the check. XXXX XXXX  send me a copy of the endorsed check stamped by Citi Bank showing Citi Bank received and deposited it. XXXX XXXX   confirmed the funds cleared. Citi Bank says I still have a balance in the amount of {$4000.00}. Citi Bank refuses to tell me anything except that they can not process the payment. Citi Card Customer Service told me I can not speak with the department that processes these investigations. They told me they can not let me speak to anyone higher than the call center manager, who told me he can't do anything. I spoke with XXXX XXXX, and they advised me to file this report with Consumer Financial Protection.  They told me they can not stop payment and issue another check, because Citi Bank deposited the original check and the funds have cleared.