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

I, XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant XXXX XXXX Code XXXX ( XXXX ) ( XXXX ) and XXXX XXXX XXXX  XXXX ( XXXX  ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) ( XXXX ) and similar to XXXX XXXX XXXX XXXX XXXX, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. 
I am aware that in accordance with the XXXX XXXX, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. 

Please provide the written instructions that I, the consumer gave to XXXX XXXX XXXX which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account XXXX XXXXXXXX XXXX XXXX must be deleted from all consumer reporting agencies immediately. 

This is my written instruction to opt out of credit reporting for this account. If my instruction to opt out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. 

I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ). I am also aware that whoever violates XXXX XXXX Code XXXX such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under XXXX XXXXXXXX XXXX  XXXX ( XXXX ) to fines under Title XXXX XXXX XXXX with fines up to XXXX for a felony by an organization or imprisoned for XXXX years or both. 

Sincerely, XXXX : XXXX
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity Theft as well as XXXX XXXX Data Breach.The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value and several negative items. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Contacted your employer

Hello XXXX Republic Finance company in XXXX SC keeps calling my employer XXXX from XXXX when I have asked them not to call my employer. I am in credit counseling with XXXX XXXX XXXX XXXX. I have told them not to call my work and they keep on doing this. Please reach out to them and inform them that this is harassments and I will sue if they do not stop. they can call my Cell phone but not my employer. dates are XX/XX/22 and a couple of months ago. I reached out to them today and informed them not to call my employer. 
Please have them stop XXXX
Complaint sub-issue: Company closed your account

Ok first my identity was stolen and someone got ahold of my sears MasterCard and made unauthorized purchase and luckily I caught them in time and after they didnt get the products they ordered without my authorization they called and had my account closed I tried to get it opened multiple times and got nothing but more hard inquiries on my credit report and would like to get my account back open and in good standing
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX # XXXX is reporting a balance on an account to my credit that should not be there. I paid this off a while ago and it should not be reporting a balance to my credit and it needs to be removed.
Complaint sub-issue: Reporting company used your report improperly

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

I have inquiries and accounts on my credit report that I didn't apply for.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX Account # 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 account # XXXX, and 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 an account without my written instructions.
Complaint sub-issue: Personal information incorrect

I am a combat XXXXXXXX ( XXXX XXXX ) veteran who is trying to fix my credit report so I can get a loan. Equifax continues to report erroneous and incorrect information. I called them several times after trying to file a dispute online. The online site is not uploading supporting documents, I am getting an error every time. Also, I asked them to fix my name with the correct information, my name is XXXX XXXX . I have been married for 15 years and they had just my maiden name listed. The correction is also incorrect, my name is now XXXX XXXX. My name is hyphenated, not slashed, how can you all allow these people to treat our nation 's veterans in such a manner? today is XXXX XXXX and I am very much stressed trying to fix these issues. For months I am trying to get my credit straight to no avail. I am going to write a letter to congress, something drastic has to be done to protect our rights as veterans and citizens. 
Everyone is using Covid as the trump card, we have to remain focused and do our jobs. Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the credit reporting act this creditor has violated my right under 15 USC 1681. Section 6 O 2 states I have the right to privacy. 15 USC 1681 section 6 O 4 a section 2 or also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

I received a copy of my consumer report from Equifax and unauthorized items in my report. There has been blatant disregard of the FCRA laws.
Complaint sub-issue: Problem with customer service

I am a 32 years of service retired educator of public schools. My loan was recently transferred from XXXX to Mohela. XXXX had my total number of payments for PSLF at XXXX. I had XXXX continuous months deferment and XXXX payments that I made during deferment in XXXX that they would not count. I asked Mohela to count them. They said I did not apply for PSLF and did not have my employment verified. I sent both sheets to XXXX in XX/XX/XXXX. Mohela asked for original paperwork. I expressed concern that the new paperwork would have a date past XX/XX/XXXX so I would not qualify for XXXX. I filed a complaint with Federal Student Aid on XX/XX/XXXX of XXXX. I waited three months to hear back. My case was closed on XX/XX/XXXX of XXXX. I called to find out what the judgement on the case was several times and was told the person who reviewed the case would call in XX/XX/XXXX hours. No one ever called, no emails! I contacted Ombudsman and was told to reapply to have my status for PSLF reviewed. I did. I was so angry I filed another complaint with XXXX  and they closed my account one hour after I opened it. I am sick over this mess, I cant sleep! I I have NEVER been this frustrated in my life. I have screen shots and documentation for every person and date that Ive tried to resolve this on my own. Im willing to pay a lawyer to help. What are my next steps?
Complaint sub-issue: Debt was result of identity theft

DISCOVER BANK Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. I am a victim of identity theft and have sent documents proving that to this company since learning about this account. Most recently I have also advised all three bureaus to freeze my reports. the debt they are seeking to collect from me does not belong to me I would like it verified and the method of verification and all actions taken on my report sent to me. They have called me requesting that I send them a copy of my SS card. Remove this from my credit immediately.
Complaint sub-issue: Debt was paid

I have contested the debt but never received an official response to my position, while I have made month ; y payments to continue reducing the contested amount owing. My understanding about consumer fin=ances is, as long as the debtor is making a consciences effort to resolve the issue, turning the case for collection is illegal. This debt over a cancellation policy with XXXX started XX/XX/XXXX for {$200.00}. My monthly payments of {$25.00} every month has reduced it to {$50.00}, as of last week. By reporting the collection to the credit agencies, my credit score dropped by XXXX points and I believe this action was totally " unjustified ''. The consumer agencies should investigate the legitimacy of the collection matter before officially posting it as genuine.
Complaint sub-issue: Account information incorrect

Accounts on my credit report are not mine and have not been verified by the credit bureaus.
Complaint sub-issue: Problem with personal statement of dispute

XXXX is reporting to all credit reporting agencies that I was 90 days delinquent in paying my student loans in XX/XX/XXXX and XX/XX/XXXX. I reported this problem to Navient via formal letter on XX/XX/XXXX and asked that they please review this information as it was incorrect. Payment arrangements were made using the only account number ( Account XXXX ) that I have with XXXX. This account number is the only account number that XXXX has issued for both my Federal and Private loans. Payments in the amount of {$620.00} were agreed upon and directed debited from my account beginning XX/XX/XXXX through XX/XX/XXXX on the XXXX of each month. XXXX is now stating that they only allocated funds to my private loans and my federal loans were placed in forbearance as requested by text message, however they were 90 days late before the forbearance was activated. I did respond " yes '' to text messages asking if I wanted a forbearance, however I thought that it was necessary as I had agreed on the payment plan with the Navient representative in XX/XX/XXXX. XXXX responded to my written complaint stating that they performed their investigation and find that I was delinquent on both my Federal and Private loans so therefore they will not remove the delinquency from my credit report. I only have one account number and am unable to allocate how they apply the payments that I make. I asked the Navient representative several time during my conversation with him in XX/XX/XXXX that the payment arrangements he was making would cover ALL loans and he confirmed several times that he was including ALL loans. Please see the attached documentation from the XXXX website that shows the allocation of payments and the single account number issued by XXXX.
Complaint sub-issue: Debt was result of identity theft

I have identity theft problems, it turns out that they opened a credit card account with the ACIMA OR ACIMA LEASING company with my documents, I reported and sent them the identity theft document saying that someone opened a secured card and left it to pay with my information Now the bank reports late payments and tried to solve the problem and for the bank to delete that account since it is not mine, I was able to get the account number with the credit bureau and made several disputes but when the credit bureau did the investigation and they contact the bank claiming that it is mine but they do not send me proof since I had an identity theft and I let them know. 


THE NOMBER IN MY CREDIT REPORT IS ACIMA CREDIT FKA XXXX # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX  and XXXX  are reporting a Collection Account on my credit report from XXXX. This company NOR did the original creditor sent me anything in writing regarding this debt. Despite my multiple attempts to contact them and asking for the details on what or how I owed them anything. 

I disputed the account with all the three of the major credit bureaus and XXXX " verified '' the debt. I filed a complaint with the CFPB ( XXXX-XXXX ) and the company basically told on themselves when they included two attachments in their response. I was never sent anything in writing to verify the debt, despite asking for it in writing and calling the original creditor repeatedly to obtain it. Instead it was reported on my bureau and to date, XX/XX/2020, I still have NOT received anything in writing. 

1. ) The first attachment was the supposed letter they sent to me. It was sent to their own address, not to my forwarding address.

2. ) Second, they sent the rental lease, the lease creation date is recent and not covering the time period, which shows they just generated the lease. 

The letter wasn't mailed to my forwarding address nor to the old rental address with the apartment number included which would have allowed the mail to be forwarded to me successfully. Instead they simply mailed the notice to themselves and then sent the account to collections after returning my payment. A payment I made blindly to prevent damaging my credit report.
Complaint sub-issue: Attempted to collect wrong amount

Moved out of Apartment in XX/XX/2022 In XX/XX/2022 Received Letter from Debt collector for {$2300.00} but never received bill or list of what charges were for. I was in a month to month lease and left due to apartment was vandalized while I were away from home and wrote letter to Landlord letting them know i was vacating for fear for my safety. 

email sent from me : Sent : Wednesday, XX/XX/2022 XXXXXXXX XXXX To. XXXX XXXX I would like to give immediately notice that I have vacated the apartment, My apartment was broke into and vandalized I could not lock my apartment due to lost keys and lock repair never completed I fear for my life. 
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 

Thank you XXXX XXXX I Forwarding Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED/DELETED, A LETTER OF EXPLANATION IS ENCLOSED.
Complaint sub-issue: Reporting company used your report improperly

Equifax has openly and continuously discriminating against me as a consumer which is breaking the law. 

Pursuant to 15 U.S Code 1681 ( B ) ( XXXX ) Permissible Purpose. 

( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

- I have not granted nor given written consent for Equifax to Furnish my Consumer report. Neither did I grant permissible consent for them to disclose my personal information. I have a right to privacy. 

15 U.S. Code 1681a - rules of construction ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; -Equifax has a grave responsibility with fairness impartially and respect for the consumers right to privacy. 

Currently through Equifax they have denied me from being able to view in accurately assess my own credit report through equifax.com
Complaint sub-issue: Reporting company used your report improperly

XXXX of XXXX ran my report hard inquiries without my written permission. I verbally gave permission for them to run once to look at. After I declined there offer they continued to run my credit with different banks without my written permission. Which resulted in my score dropping XXXX points according to XXXX I called and spoke with finance manager whom argued and lied to me about doing it
Complaint sub-issue: Account status incorrect

This account is not charge off, I have made consistent payments and have not been late for this loan
Complaint sub-issue: Information belongs to someone else

Debt Collection from XXXX XXXX XXXX in amount of {$130.00} does not belong to me. Result of Identity theft. Federal Trade Commission Fraud Affidavit attached to confirm. Please remove.
Complaint sub-issue: Debt was paid

I had a loan with Western Sky / XXXX / Delbert Financial Services. These companies are currently under investigation by the CFPB as well as being sued by the Attorney General of my state ( MN ) as illegal loans. 

The original principal was repaid several times over, yet this company continues to sent me collection notices. 

I have stopped paying and blocked this company from being able to make automatic withdraws from my bank account. They have reported a delinquent status to XXXX credit reporting agency. 

I request to have documentation that states these loans are illegal, that I have paid the principal on the loan, and that XXXX should immediately delete this record or show paid in full. 

CFPB assistance greatly appreciated.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX  has violated my rights. These are the names that appear on my credit reports 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not fumish an account without my written introductions
Complaint sub-issue: Can't get other flexible options for repaying your loan

I co-signed my daughters loan for $ XXXX I have paid $ XXXX on the principal and another $ XXXX in interest. I called for a payoff amount and I was told I have a principal balance of $ XXXX. If I have paid $ XXXX in Principal then my payoff should be interest accumulated to date and the basic principal balance. why would I owe and addtional $ XXXX on a $ XXXX loan that I have already paid between principal and interest {$13.00}. I should owe the difference between $ XXXX and $ XXXX plus interest which would be around $ XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : ( Original Creditor : ) # XXXX has violated my rights. 

Account name : ( Original Creditor : ) # 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 may make any consumer report containing any of the following items of information or 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 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: Debt is not yours

XXXX saying I owe a bill of XXXX thats not even mine its at an address in XXXX Florida I live in XXXX Florida and have not had XXXX cable.i disputed this matter with XXXX and got no where I would like to get this resolved.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

15 U.S.C 1681 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

XXXX, Equifax and XXXX are all reporting bankruptcy information that was obtained fraudulently and is also inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, it was obtained illegally and I demand to have it removed from my credit report, and # XXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, this information was also obtained illegally and I demand to have it removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus are allowing Opportunity financial to continue to report incorrect information on my credit report. The credit bureaus are not doing a hands on manual human being method of verification. They are  using companies like XXXX XXXX, etc.,. They are using a machine to decide & verify & validate this account. That doesnt take into account what the consumer is disputing. This machine is ruining peoples credit. This is so unfair. I have continuously tried to explain to opportunity financial & the credit bureaus why this balance is incorrect. Neither company will budge or verify. Please follow suit with XXXX XXXX and delete this from my account. By law I have the right to dispute inaccurate info and have it removed. You can see the amount was originally paid down & wage deductions. Thanks for your assistance
Complaint sub-issue: Account information incorrect

The credit bureau 's are reporting inaccurate information on my credit report. The following accounts on the attached dispute letters are not mine. Please stop them from reporting this illegal and inaccurate information
Complaint sub-issue: Account status incorrect

I have disputed XXXX XXXX because this was account was paid and satisfied amount and they agreed to remove my collections but credit agency still will not remove it and I have documentation to prove my claims