Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the contract..however I did not give any written instruction nor did I authorize these unauthorized inquiries onto my consumer report. Attached to this complaint will be my FTC REPORT SHOWING THAT THESE ARE FRAUDULENT INQUIRIES
Complaint sub-issue: Didn't receive notice of right to dispute

I will try to be as brief as possible. I have submitted my DTR last year I have recently received an email stating no determining descision has been made and that communication with Fedloan servicing would be made as well. I then received notice from Fedloan in an email stating they were going to automatically take money out of an account I removed from their auto pay several years ago. I did this when they illegally drained my bank account of over XXXX use. I was left panicked and drained unable to eat sleep or much of anything else. I lost my job I went off the deep end. I ended up getting this back by disputing all of it. This email from Fedloan was followed up by a personal phone call. I demanded to know why they took me off my administrative forebarrence. They replied " I do n't know after several calls and emails removing the account and their ability to drain me again. I also requested any all all documents and a review with a reason why they removed my DTR rights! This was all requested the 1st time XXXX XXXX 2017 and again on XXXX XXXX 2017 and now again today XXXX XXXX 2017. These loans are fraudulent loans I have a letter from my states attorney citing the " holder clause '' and many other fraudulent practices made by the XXXX XXXX XXXX XXXX. Now I continue to have to go through XXXX! This will not continue! I am not a XXXX I am not your puppet! Take me to court in XXXX!  The federal government has been paid back by XXXX my debt is a result of all their fraud! These loans are fraud! They must be removed from any and all collection agencies and all other affiliated or non affiliated us government made agencies. I have proof these are fraudulent.
Complaint sub-issue: Information is not mine

The credit bureau received information through XXXX that the accounts that were fraudulently placed in my name were verified. I requested that the credit bureau 's manually investigate these fraudulent account because the were put in my name fraudulently
Complaint sub-issue: Information belongs to someone else

( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 


XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$230.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$230.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$240.00} Date Opened XX/XX/XXXX Dispute
Complaint sub-issue: Funds not received from closed account

Department of labor sent me a direct deposit. To my checking account keybank closed my account.i been trying to collect my balance for three months everytime i call keybank tells me that they dont have to talk to me.i just want my money.my account didnt have a negative balance .i dont understand i just want my money.
Complaint sub-issue: Information belongs to someone else

Noticed an account on my report that does not belong to me
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.
Complaint sub-issue: Reporting company used your report improperly

I pulled my credit report and noticed that their were 3 inquires that were not mine. I contacted the credit bureaus. ( XXXX XXXX XXXX ) XXXX XXXX. To have the fraudulent inquiries removed. I was advised to get in contact with the company. I tried previous times to get in contact with these three companies with no response. On XXXX/XXXX/XXXX I also sent certified mail to these three companies advising the date my inquiries were pulled and that they were fraudulent and that they had 10 days to remove the inquiries. It has been past 10 days and I have yet heard anything for either of these companies, nor have these inquiries been removed. The three companies are 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Inquiry pulled on XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiry pulled on XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiry pulled on XXXX XXXX, XXXX I have done my due diligence to notify the bureaus. And the companies about these inquiries and nothing has been done. Attached is one of the letters I sent, I sent the same letter however changed the address on each and also attached is the certified mail receipts.
Complaint sub-issue: Investigation took more than 30 days

I have disputed accounts and inquiries on my credit report with all 3 credit bureaus well over 60 days ago. I've also made this complaint known with the CFPB but they too have said that the investigation is still in process. The time limit that has been given to the bureaus to investigate has been sufficient enough and is now illegal. I am hoping to get this situation resolved and the items removed from my credit report immediately without having to take further legal actions. Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXt XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXXXXXX ( original creditor ) Account 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: Account status incorrect

The Credit Agencies is inaccurately reporting that the Dept of Education/XXXX account was late. I have been in XXXX payment status for several years on my IDRP with the Dept of Education. Please assist me in removing the late payments in from my credit file. There are 7 Department of Education/XXXX accounts inaccurately reporting that I  was 90 days late in XXXX and in XXXX.
Complaint sub-issue: Account status incorrect

I've never been late on my discover credit card i've talk several times and was informed Ive never been late but the problem has not been fixed this is hindering me from getting my home.
Complaint sub-issue: Problem during payment process

I logged in into my Citibank account on XX/XX/2018, in attempt to pay my monthly payment before the due date ends. However, my attempt to pay the monthly payment was prevented due to a server error in the processing. I tried to make the payment again, five minutes later, but was unable to due to the same error. I did not tried a third time, in fear that it might locked my account. I repeated the same thing on XX/XX/XXXX and on XX/XX/XXXX, and the results were still the same ; my payment was prevented due to a server error. The issue was resolved today, XX/XX/XXXX, in which, the error did not occur. Since it was after the due date, I was charged {$35.00} due to having a late payment, which was not my error, but Citibank 's. I have a photo of the error, if you guys need it. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I am following up on my prior complaint as I am unable to add documentation or edit said complaint. Once again I was on the phone with XXXX in order to rectify the derogatory credit rating that they applied to me by dropping my credit score by 66 points due to the Cares Act Mandated requirement to defer my loan. This was done without my permission. I am paid over one year in advance as well as began payments prior to the required time to pay the loan. I paid while my daughter was in school! I have never been late. I was once again put on hold with this company for over one hour ( I have phone records to prove this ) and finally hung up. It is quite clear that they have no interest in fixing any of this. Prior to requesting I be transferred to a supervisor as I was told that this would be looked into, I spoke to XXXX and she said that it was in review and that nothing could be done. I want my credit score to be what I have worked hard for it to be. I want it reinstated to the score it was prior to XXXX deducting 66 points and better as I have since paid off or down on more obligations. This is a direct violation of the CARES ACT it should not even need to be in review. I quote, " The CARES Act suspends student loan payment obligations through XX/XX/2020. During that time, borrowers ' credit reports are supposed to reflect the loans as if there was " a regularly scheduled payment made by a borrower. '' This requirement is also reflected on XXXX XXXX own website, which explained in a blog post that " the Department of Education will report suspended payments to the national credit bureaus as though they were on-time payments. '' Despite requirements under the law, public complaints from borrowers like lead plaintiff Mr. XXXX reveal widespread, improper furnishing and credit reporting. Specifically, borrowers whose loans are serviced by Great Lakes complain of their damaged credit caused by no fault of their own. Following borrower complaints, Great Lakes has publicly acknowledged its error. 

Great Lakes is the government student loan contractor that handles loans for more than 8 million customers and is the largest servicer of borrowers with federally held loans. Today 's lawsuit demands Great Lakes immediately cease violating the California Consumer Reporting Agencies Act. Today 's lawsuit also demands XXXX, XXXX, XXXX and XXXX XXXX XXXX immediately cease violating the Fair Credit Reporting Act, the California Consumer Reporting Agencies Act, and California 's Unfair Competition Law ... .. '' and it goes on this is from an article https : XXXX? XXXX. I would like this fixed no. There are absolutely no excuses. Shame on XXXX, XXXX, AND GREAT LAKES! I expect this agency to do something about this truly. This is in direct violation to what the CARES ACT was  designed for. It is supposed to help not DAMAGE!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX have responded to me that they have verified the bankruptcy XXXX. 
The bankruptcy XXXX has been removed from the XXXX XXXX database. XXXX XXXX reports the bankruptcy and verifies that it has been removed. 
Equifax and XXXX verified the bankruptcy in error or did not bother to verify at all. 
It has been removed from 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 15 USC 1681. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX, 15 U.S.SC 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: Personal information incorrect

I had my information stole in a security breach. 


XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$350.00} XXXX XXXX XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$120.00} XXXX XXXX XXXX  Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} Connecticut Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$780.00}
Complaint sub-issue: Personal information incorrect

Over the last 4-5 years, I have filed all the proper forms, via certified USPS mail, notarized, and still incorrect information of all types litter my credit report. I have used phone calls, email, USPS and nothing gets corrected. I have been part of the Equifax data breach, I can not access online account, I was unable to update utilities to my married name this month because of the trouble and I can never get a credit report online. I have all the documents saved as well as receipts.
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 with my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account name : 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: Problem with the interest rate

With Corona virus I deferred my payments for three month..they are charging me XXXX $ a day ... that's is over a car payment how is that helping through this time ....?
Complaint sub-issue: Account status incorrect

Nelnet is reporting incorrect late payments to my report. I have disputed this item with them via phone and mail. Below I have attached correspondence between myself and Nelnet. The late payments are being reported inaccurately.
Complaint sub-issue: Information belongs to someone else

I would like to report inaccurate information that 3 auto loan banks are reporting to XXXX credit bureau. The do not belong to me. 

On XX/XX/XXXX, I called all three banks and they confirmed verbally that the loan on file does not match my name and social security number. None of the 3 banks are willing to provide me written confirmation that the loans are not associated with me and that they the will stop reporting to credit bureaus under my name and social security number. 

XXXX Texas XXXX XXXX XXXX ; account XXXX ; XXXX ; I spoke to XXXX XXXX XXXX 


PNC bank ; account XXXX ; XXXX ; I spoke to XXXX XXXX ; XXXX XXXX XXXX in Texas ; account XXXX ; XXXX ; I spoke to XXXX XXXX ; I have credit freezes on my social security number with XXXX and XXXX credit bureaus because there was a personal information breech at my job in XXXX. I attempted to freeze my credit with XXXX credit bureau too but this option was not available on the XXXX website or by phone. 

Apparently a XXXX XXXX XXXX XXXX have the same date of birth as me and has opened 3 auto loans in Texas. All three of the banks that I called today, said that XXXX XXXX XXXX did not have a social security number listed or that it did not match mine. 

I am having difficulty getting a home mortgage loan because of this collective issue.
Complaint sub-issue: Debt was paid

I was contacted by Premiere Credit about removing my Wage Garnishment from a defaulted student loan. I wanted this removed so I could start paying back the student loan without further damaging my credit, so I agreed to a XXXX program that had me pay a set amount each month on time to remove the debt. I was told that after the XXXX month had been paid, I was to contact them to remove the auto-payments from my account and discuss how I would start to pay directly to my loans and remove my wage garnishment. 

I have tried to contact them for a couple weeks now, but each time I call their number and try to speak with a person, it says that their lines are too busy and I should leave a message for them to call me back. I have done this a XXXX times as well as e-mailed them and still no one has contacted me a XXXX later.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : 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: Information belongs to someone else

On XX/XX/2018 I sent notices to ALL 3 credit reporting agencies advise that I am a victim of identity theft. I request that a alert be please on my credit, fraudulent address and that all the account relates to my identity theft be removed from my credit report. I provide a police an affidavit and a list of fraudulent account with dates and details. I also sent this information to the creditor listed on my report. As of today only one account has been removed. I have exhausted all options at this point. This situation has already been tough enough, as a feel extremely victimized, but now to have to fight to have items that do not belong to me removed is a bit ridiculously. 
The credit reporting agency sent me back letter stating that the account are verified, Im constantly stressed to know someone has and currently is using my personal information. 

The accounts are listed on the attach police report
Complaint sub-issue: Investigation took more than 30 days

I submitted a dispute on XXXX XXXX and I have not heard anything from XXXX, XXXX  or equifax regarding my disputes. 
I am disputing : Chapter XXXX bankruptcy chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX  late payment XXXXXXXX XXXX XXXX unauthorized Inquiry XX/XX/XXXX XXXX XXXXXXXX unauthorized INQUIRY XX/XX/XXXX XXXX  XXXX credit unauthorized inqury XX/XX/XXXX XXXX XXXX XXXX unauthorized inquiry- XXXX XXXX XXXX XXXX XXXX unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Incomplete and unverifiable XXXX XXXX  XXXX Inaccurate & imcomplete
Complaint sub-issue: Add-on products and services

Citibank routinely offers me an option of " equal monthly payments '' for purchases on XXXX, at 6.74 % for a specific amount of months, typically 3 or 6, depending on the total purchase price, on my Citi Diamond Preferred card. The issue is that I already have a 0 % rate on all purchases on my Citi Diamond Preferred card, through next summer ( 2022 ). Therefore, Citi and XXXX 's joint financing " offer '' is misleading and fraudulently entices misinformed Citibank customers to opt in to what appears to be a special interest rate that's lower than the customer 's normal purchase interest rate on their Citi card, when in fact it could be higher than their existing rate. This fraud is unacceptable and the CFPB should investigate and end this collusion between Citi and 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 15 U.S.C 1681. 
XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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 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 16815-2 ( A ) ( 1 ) A person shall not turnish any information relaying to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate