Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: No notice of investigation status/result

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX FCRA Summary of Rights What is the Fair Credit Reporting Act? 



The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Enacted in XXXX and substantially amended in the late XXXX and again in XXXX, the FCRA, among other things, restricts who has access to your sensitive credit information and how that information can be used. 


Summary of Rights The FCRA is a complex piece of legislation and contains numerous provisions not discussed on this page. Below are several important features of how the FCRA is designed to help consumers ( for the complete text, visit the Federal Trade Commission ). The FCRA protects you by requiring consumer reporting agencies : Disclose your credit file to you upon request. Consumer reporting agencies must provide you the information in your file if you request it and provide the agency with proper identification. See " How do I get a free report? " for more information. 

Limit access to your information. A consumer reporting agency may not provide your credit report to any party that lacks a permissible purpose, such as the evaluation of an application for a loan, credit, service, or employment. Permissible purposes also include several business and legal uses. See " Who can access my Equifax credit file? '' for more information. 

Get your consent before providing your information to an employer. A consumer reporting agency may not provide your credit information to an employer or potential employer unless you first give that employer written permission to request your credit report. 

Investigate disputed information. If you tell a consumer reporting agency that your file contains inaccurate information, the agency must promptly investigate the matter with the source that provided the information. If the investigation fails to resolve the dispute, you may add a statement to your credit file explaining the matter. For more information, see Correcting Errors in Your Report. 

Correct or delete inaccurate information. A consumer reporting agency must correct or, as the case may be, delete from your credit file the information that is found to be inaccurate or can no longer be verified. The consumer reporting agency is not required to remove accurate data from your file unless it is outdated THIS IS FROM THE EQUIFAX PAGE AND YET THEY WILL NOT INVESTIGATE MY INQUIRIES AND DELETE THEM DO NOT USE THE XXXX system give this call to a supervisor TO REMOVE THE INQUIRES PER THE FCRA SHOW HOW THE INVESTIGATION WAS DONE DO NOT PLACE A FRUAD ALERT ON MY CREDIT PROFILE!!!!!!!! 
DELETE XXXX DELETE XXXX DELETE XXXX XXXX DELETE XXXX THEY DOD NOT KNOW WHO I AM AND HAVE NOTHING TO SHOW I APPLIED FOR CREDIT. I DID N OT APPLY FOR CREDIT!!!! 
EQUIFAX GAVE THEM ACCES TO MY CREDIT NOT ME!!!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

I have 4 incorrect things on my credit report. I have 1 collection from XXXX  XXXX  and one charge off from XXXX XXXX. This is against my rights. I shouldn't have several accounts from the same source. I disputed XXXX for XXXX on my account because balance is extremely high and was told balance was correct but no proof of what what being charged to me was shown to me. I had an account with XXXX and financed a phone for XXXX, plan was month to month no early termination fee and no finance fees. Why am I being charged over XXXX dollars? I have a negative charged off account for XXXX from XXXX They are reporting balances and past due incorrectly. I want all 3 negatives removed including the extra negative report from XXXX  XXXX.
Complaint sub-issue: Company closed your account

CITI Bank I Payment On timeclosed my account without notice or confirmation. 
Account Type : Flexible Spending Credit card Date opened : XX/XX/XXXX Hight Balance : {$3000.00} ( I payment on time, Why have Hight Balance??? )
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I have been trying to get a debt validated on my credit report for the last year and each time I have called Procollect Inc., a third party collector, they have been very rude to me and told me that they do not have send me any proof that I owe this debt because they sent it. I never received any paperwork. I just found out last week that there were too evictions filed against me. I contacted the original creditor about this debt XXXX XXXX XXXX XXXX and they told me they didn't have any information and I would need to contact Procollect Inc. I have not been able to get any supporting documents that I truly owe this debt and it is killing my credit and prohibiting me from renting an apartment.
Complaint sub-issue: Can't decrease my monthly payments

I owe approximately {$160000.00} in student loans, both public and private. {$100000.00} of which I owe to SallieMae. They place my monthly payments at {$1300.00}. I have recently started a new full time position at a South Carolina state university. I make {$36000.00} annual. However, due to high income tax and mandatory healthcare ( I have the absolute minimum coverage that meets the Affordable Care Act ), I take home {$1000.00} twice a month. That means that just my SallieMae payments are more than half of income and if I made just my SallieMae payments ( not including my federal loans which are on an IBRP of {$69.00} per month ) I would have {$760.00} left to cover all living expenses. I have a 9 year old car, I have the minimum allowed car insurance, minimum cell phone plan, and currently do n't pay rent because I am living on a friend 's couch because I had to go 6 weeks without a paycheck after moving XXXX miles for this new job. SallieMae will only offer a forbearance at a fee of {$150.00} ( I have XXXX loans total ), which I can not pay. I will not in the foreseeable future ever be able to make these payments, but SallieMae does not offer to make an adjustment at all ( though I have read on blogs that if you run out of forbearance and still can not make payments, call the right number and speak to the right person this mythical experience could happen ). Some of my loans have a cosigner. My cosigner also can not make these payments as they care for XXXX-XXXX elderly family members who live in the home. I previously filed a complaint because after I paid for my forebearance " good faith fee, '' I continued to get collections calls for two weeks. The issue was resolved by an escalation team member who finally listened to me when I said that they had not connected my XXXX and XXXX loans, so I was still receiving calls about my XXXX loans, though all of them should have been placed in forebearance. 

I am simply seeking a solution that does not require me to file bankruptcy and destroy my credit. I am hard working ( I am currently seeking freelance work to boost my income just to cover my daily living expenses like food, rent, and gas ), responsible, and profession, but I am being treated like I am a criminal and delinquent. I was duped by SallieMae when our relationship started and it made it appear that repayment would be based on how much money I made after graduating ( at that time, I am unsure if they are still, SallieMae loans were marketing alongside federal loans that are possible to go on an IBRP ). I would love to make my payments and avoid all of this, but the American economy did not provide the incredible job opportunities that we were told we would have going into college. I just need a manageable way to repay my debt, and I wanted to see if there was a way before contacting an attorney.
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 {$7700.00}, {$4100.00}, {$19000.00}, {$6400.00}, {$37000.00}. 
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 ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

3. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

4. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  US DEPARTMENT OF EDU XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX. I received an alert from XXXX Credit Bureau regarding a collection item on my credit report. I don't know who XXXX  XXXX XXXX XXXX is, and no validation of this debt has been given to me. No original creditor was listed. I was not given a right to dispute letter, nor anything else regarding this debt at all. On XX/XX/XXXX, at XXXX I contact them and asked how they got my information and disputed the validity of the debt and asked them to remove this from my credit report. They are refusing. I should have 30 days to dispute this debt and I was not given any notice to activate my rights. Instead it was placed on my credit report. I've contacted the number listed on the report XXXX. They where unable to validate this account belong to me. I requested proof in writing.. I have also contacted XXXX XXXX, XXXX, and XXXX and disputed it. When I contacted XXXX XXXX at XXXX, I spoke to a Fraud Specialist, XXXX XXXX she informed me that a similar item showed up on my credit report in XX/XX/2015 and was disputed and removed. This is around the time I found out my SS # was used by someone other than me. I asked to speak to a Supervisor with XXXX XXXX. I spoked to XXXX XXXX, and asked how can an item that was disputed and removed in XX/XX/2015 be placed back on my credit report. Once it is removed, it should be removed. I stated that I disputed it then because it was not mine, and it was removed but you placed it on there again. The Supervisor at XXXX XXXX did not remove the item. 

My credit score has dropped 75 points due to this and I have no control over it. I am in the process of buying my house and this is affecting me drastically and putting my dream of owning a home in jeopardy.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX ( XXXX ), a telephone company, used my information fraudulently and pulled a hard inquiry on my credit report when I was shopping for their products. 
This was reported on XX/XX/2019.
Complaint sub-issue: Credit card company forcing arbitration

Lower price for a item ( XXXX XXXX {$370.00} XX/XX/2018 ) bought from XXXX site ( Price {$470.00} XX/XX/2018 ) was found for a lower price in the store itself. The request for lower price protection was denied stating unable to verify price stating valid lower price can only be an online ad or store catalog. XXXX store does not have all items it carries in a catalog. I found the lower price on the store item display took a photo of the item and the store price tag for the item. The was submitted as evidence of lower price and denied by the company.
Complaint sub-issue: Old information reappears or never goes away

I have checked my credit reports ( XXXX, XXXX and Equifax ) and I have noticed that the account with XXXX XXXX closed in XX/XX/XXXX and last paid date on XX/XX/XXXX continues being reported on my credit history. It should not be longer in my credit reports.
Complaint sub-issue: Information is missing that should be on the report

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX   XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Account information incorrect

I tried to solve my credit problems with the credit bureaus, because they are reporting inaccurate information that is affecting my credit score. I have Inquiries that I didn't authorized, and negative accounts that should not be there.
Complaint sub-issue: Debt is not yours

Fraudulent Reporting to Credit Reporting Agencies of a Debt I Do Not Owe ; This collection agency is in violation of FCRA 1681s-2. 

This collection agency is in violation of the Fair Debt Collection Practices Act ( FDCPA ), formally known as and codified under 15 USCA 1692 ( a-p ) as they failed to provide me with the following information : 1 ) Collection notice about the debt ; 2 ) Proof that I owe this debt ; 3 ) How this amount has been calculated in a way I can understand ; 4 ) Copies of papers or documents where I agreed to pay what you say I owe ; 5 ) Proof that you are licensed in CA, and provide this license number to me.
Complaint sub-issue: Threatened or suggested your credit would be damaged

This is my second complaint against Credit Collection Bureau in regards to collecting for a XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX Today I received Validation of Debt documents from Credit Collection Bureau and as previously stated in my prior complaint I AM NOT THE RESPONSIBLE PARTY for financial obligation. In the contractual agreement # 4 " I will pay in full any cost of treatment or insurance copayments according to the office 's financial policy. I understand that even if an insurance pre-estimate is given or a procedure has been preapproved, I am responsible for any cost that my insurance does not cover. '' Patient or Guardian name signature is my father signature and my mother is the witness. My father signed the contract and took responsibility due the fact I was an unemployed college student during the time of rendered services. I never signed the contract obligating myself to pay a debt in which I knew I had no INCOME to pay. What my father signed the legal binding contract between him and XXXX XXXX XXXX. This greatly concerns me because based on the Validation of Debt documentation sent to me this violates the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( 8 ), and because of my military career a violation of the Service Member Civil Relief Act ( SCRA ). This misinformation in pursuit for payment of the debt by me and a blemish in my credit file is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Complaint sub-issue: Fee problem

XXXX XXXX XXXX XXXX engaging in Unfair Deceptive Abusive Act or Practice ( UDAAP ) regarding paper statement fees. The employer I work for, XXXX, is in the process of transitioning our accounts from an old to new XXXX ( Health Savings Account ) both with Optum Bank. I was charged a paper statement fee on my new account today, XX/XX/2022. I called Optum Bank/Financial on XX/XX/XXXX to ask them to turn off paper statements, as I had already signed up for electronic statements with them on my old account and expected the same would carry over. ( 1 ) The customer service agent with Optum told me that my prior selection to have paper statements does not carry over to my new account, which makes no sense with the HSAs both being with the same company. I promptly told the agent I wanted paper statements turned off again and asked him to refund my fee. ( 2 ) The customer service agent said it is company policy not to refund this fee and that nothing can be done and while he would like to help me. Management would not allow or approve of refunding this fee. Ask to pull the recording of my call to confirm. ( 3 ) The customer service agent told me instructions to turn off the paper statements again and information on the fees would be included in my XXXX statement, which has not even yet been received by me. In short, Optum is charging me a fee without giving me the appropriate notice and time to avoid being charged the fee. 

Regardless of the fee being only {$1.00}, Optum Bank/Financial is acting. I have looked on the XXXX employee message board this week ( the week of XX/XX/2022 ) and Optum Bank/Financial has committed this UDAAP not only to me, but to thousands of other XXXX employees that also have HSAs with them. This would result in thousands of dollars in fee income for Optum, which is the root motivation for the company taking advantage of customers, like me, that don't have a choice and have to use them since this is who my employee chose for my company to use for their HSAs. I am asking for the CFPB to hold Optum Bank/Financial accountable . If necessary, a Consent Order should be used to make sure the company must not only lose the fee income they earned from engaging in XXXX when charging customers in the manner they do, but also hold Executive Management at this company accountable for their actions. It is unacceptable to be charging not only XXXX employees for a paper statement fee without giving them the proper notice and timeframe to opt out of paper statements, but any and all customers. This is clearly a deceptive tactic to make additional fee income.
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX {$330.00}. The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Complaint sub-issue: Problem getting a working replacement card

MACY ' IS USING PAST INFORMATION WHICH DOES NOT ADDRESS ONGOING DAMAGE TO CREDIT BY MACY ' FAILURE TO TAKE CORRECTIVE ACTION THE ONUS IS ON MACY ' TO ACCEPT NEGLIGENCE & NOT TO BLAME CONSUMER BY INCORRECTLY PROCESSING OR CLAIMING TO HAVE PROCESS CREDIT CARD CONSUMER WENT TO EXTREME EFFORTS TO GO TO MACY ' FACILITIES ON MUTLIPLE OCCASIONS TO HELP MACY 'S NOT NOLY CORRECT PROBLEM ( S ) BUT TO ENSURE THAT MACY ' WOULD NOT BE HARM IF CARD ENDED UP IN WRONG HANDS.

THIS OF COURSE IS BASED ON THE CLAIM THAT MACY ' SENT THE CARD TO BEGIN WITH SUBMITTING AN OUTDATED LETTER FROM XXXX 2021 THAT DOES NOT ACCEPT LOGICAL ONUS FOR THE ERRORS THAT HAS CAUSED THE CONSUMER GREAT STRESS MUST BE REDRESS PRIOR TO FILING WITH XXXX XXXX XXXX ( SEE XXXX VS. XXXX XXXX, XXXX XXXX XXXX XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : 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