Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

XXXXXXXX XXXX XXXXXXXX, after a CARES Act, COVID-related forbearance, tried to get me to enter into a modification without providing me with information about the fact that my credit score would be ruined, and they reported me late on the forbearance amount without my written approval ( i.e., I never agreed to the modification ), and when I realized the XXXX point drop in my credit score occurred, I asked to have the amount on forbearance deferred, which should not result in an impact on my credit score. That deferment has been completed. During the entire process I have tried to explain this to XXXX through the dispute process, and with XXXX, to at least 7 people who all refuse to listen, and simply refer me to XXXX, claiming it is their problem. XXXX tells me it is the mortgage company 's issue, since they reported the modification and that resulted in the point drop. I am very frustrated that this has ruined my credit, which was approx. XXXX  point higher, and consistently in the very good to excellent category for the past 20 years, until this situation caused by XXXX occurred. XXXXXXXX XXXX XXXX has also changed from XXXX, to XXXX, to XXXX and had many impediments to communicating with me, and vice versa for the past 2 years, exacerbating the situation. One of the specialists that I have worked with, XXXX XXXX, at XXXX confided with me that my situation is not atypical, and XXXX as a company is customarily doing the same thing to many of their customers, i.e., tricking them into accepting a modification and then condemning them to a dramatically damaged credit rating, which prevents them from seeking another loan from one of their banking competitors. This unfair business practice is a violation of the intent of the CARES Act, which was to allow relief to borrowers during the Global Pandemic, allowing them to reinitiate their payments after the emergency had passed, without detrimental affects on their credit rating, etc. I know I am speaking on behalf of hundreds, if not thousands of borrowers with XXXX who once had good credit, and are now stuck with this treacherous and predatory lender. I would like the CFPB to share this complaint with others so that they may avoid this lender, their deceptive practices, and indeed know that they have recourse with the CFPB 's protections and actions. Thank you for your help!
Complaint sub-issue: Problem with personal statement of dispute

In XX/XX/XXXX My sister and father and where killed in a car accident. I wrote letters to the school and nelnet with no response asking to remove the late payments due to the situation. To no avail nothing happened. In XX/XX/XXXX I lost my grandmother due to XXXX, I had a XXXX at the funeral. XX/XX/XXXX I became homeless. I have consolidated all of my loans and everything is up to date. I have several classmates that late payments were removed due to loss of work. What about loss of life!! I ca n't find work in my profession due to these late payments my score has dropped so low due to these pate payments I am begging Nelnet to give me a second chance and please remove them for me. I have suffered so much over the years. I just want a job so I can pay my student loans off and everybody is running a credit check. I served 10 years in the XXXX XXXX XXXX. I put my life on the line for my country, and I ca n't even get help from my country when I am suffering.
Complaint sub-issue: Debt is not yours

I received a bill for what appears as an open account-mortgage secure loan for a company called loanme. The transaction date is listed as XX/XX/XXXX in the amount of {$1100.00}. It also has a pas due payment amount of {$1600.00}. It also stated that the current payoff good until XX/XX/XXXX of {$1800.00}. Account number XXXX. 

I have not done any business with this company since bk XXXX. I do not have a mortgage and I do not know what they are talking about.
Complaint sub-issue: Problem with personal statement of dispute

I MISSED A PAYMENT ON ONE OF MY ACCOUNTS. I DIDNT REALIZE IT UNTIL I RECEIVE A NOTICE THAT MY CREDIT SCORE HAD DROPPED. I CALLED THE COMPANY AND IT CHECKED OUT THAT I HAD MISSED A PAYMENT. MY OVER SIGHT I GET IT. MY COMPLAINT IS I HAVE A 99 % PAYMENT HISTORY THAT SHOULD HAVE BEEN A 100 UNTIL NOW AND THEY DROPPED MY CREDIT XXXX POINTS. XXXX AND EQUIFAX BOTH. FROM XXXX TO XXXX FROM XXXX AND XXXX TO XXXX FROM EQUIFAX. THEY BOTH DROP YOUR SCORE THAN RECOMMEND THEIR SERVICES OR COMPLANIES THEY PARTNER WITH TO BRING THEN BACK UP. MY COMPLAINT IS THESE COMPANIES ARE NOT FAIR. THERE IS NO WAY MY SCORE SHOULD HAVE DROP XXXX POINTS FOR ONE MISSED PAYMENT AND THIS IS NOT THE FIRST COMPLAINT IVE FILE AGAINST THESE COMPANYS FOR UNFAIR REPORTING.
Complaint sub-issue: Account status incorrect

I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 4 time 30 days late in XXXX and XXXX. There was an error on their part. I was never 30 days late during those years.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making into my credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Reporting company used your report improperly

Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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. 


I have sent several Disputes to Equifax, XXXX and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. 
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. They have refused to provide the proof of these accounts. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 and SECTION 617 Kindly acknowledge this last composed OFFER OF SETTLEMENT BEFORE LITIGATION as my endeavor to genially resolve your proceeded with infringement of the Fair Credit Reporting Act in regard to your refusal to erase INACCURATE, Unverifiable and Invalidated data from my purchaser document. You have NOT given me a duplicate of ANY unique documentation ( A buyer contract with my mark on it ) as needed under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Moreover you have neglected to give the strategy for confirmation as needed under Section 611 ( a ) ( 7 ). If it's not too much trouble, be exhorted that under Section 611 ( 5 ) ( A ) of the FCRA you are needed to " promptly DELETE all data which can't be confirmed.

You will find attached all the items that are not 100 % accurate. That I demand to be removed immediately.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX was added to my credit report as my employer. This is incorrect reporting and i want this removed immediately. I do not work for XXXX XXXX XXXX.
Complaint sub-issue: Overdrafts and overdraft fees

I cancelled an order with   XXXX   on Thursday. The Authorization hold was on. The money appears to have dropped back into my Account on Friday it was back to Normal. I Checked my account on Saturday and I was Overdrawn. The charge is still only PENDING! I know instead of it clearing I 'm getting fees. If it 's only PENDING how can I be overdrawn? I have reason to believe that they reordered the Charge to create this overdraft.
Complaint sub-issue: Deposits and withdrawals

Walked in to open a business account in US Bank located in XXXX ca. Was recriminated by banker Banker named XXXX. Was told can not be opened and also put my personal account under a hold/freeze for no reason. Did not and do not have access to my own funds. Reason for hold unknown. There is no ppp loan or sba loans deposited in account. Contacted customer service and was told the hold has no description and was for no reason. I have served 4 years for this country and i feel I was discriminated by the employee. I am out of my own money.
Complaint sub-issue: Information belongs to someone else

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, Equifax and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX Account XXXX XXXX {$300.00} Balance po box XXXX, XXXX XXXX SD XXXX Phone Number ( XXXX ) 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.

I will attach a file below that states all of the accounts that were affected by this claim.

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 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 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: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Investigation took more than 30 days

I sent LexisNexis a letter of dispute regarding two public records ( Tax Liens ). XXXX and XXXX both reported that this information was furnished to them by LexisNexis, which is a third party vendor. I advised XXXX and XXXX that this is a direct violation of the Fair Credit Reporting Act. I sent a certified letter of dispute to LexisNexis on XXXX and they signed for the letter on XXXX. I have the actual letter attached to this as proof with no contact from LexisNexis and it has been more than 30 days. The Tax Liens are XXXX and XXXX. I also made contact with Oklahoma XXXX XXXX and they verified that LexisNexis was never given this information by them. As a result of this, LexisNexis reported this information to XXXX and XXXX without the consent of the court.In return, this is inaccurate information and the process thereof.
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 XXXX XXXX XXXX. XXXX XXXX SE 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/consent. 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 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: Account information incorrect

Hi I am a consumer who reached out to Equifax about 13 loan accounts that were reporting on my consumer report without my written consent pursuant to 15 USC1681 b ( 2 ) Equifax did respond to my first Consumer Financial Protection Bureau. complaint stating, they could not find me in their data base but a few weeks later removed the tradelines from my report on XXXX XXXX Im sure that denied having-my personal information because i have a right to privacy, and no consent is IDENTITY THEFT. publishing this information has for years caused my Equifax report to have a lower score, and also affected me from being able to obtain certain things at a lower rate. Is so frustrating that these bureaus have the power to do this to consumers it is fraud, it should be more done to stop this invasion of privacy. Pursuant to 15 USC 1681n ( a ) Equifax violated my consumer rights and is liable for XXXX each violation I have invoiced this organization in reference to my remedy. I will pursue more legal action if I do not get a response back from Equifax for the suffering and also the fraud that was taking place. Deletion is admission and Equifax never had my written permission to furnish this information. I do not have the account number Equifax has removed the accounts, the accounts were under fed loan, and i will attach an exhibit that I also provided to Equifax I have sent a invoice demanding payment for violating my federal rights. 15 USC 1692 fair debt practices act references individual privacy 15 USC 1692 ( A ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. Equifax was reporting XXXX worth of an alleged debt without my permission, and I demand that they respond to my invoice with payment I have also attached exhibits that I sent to Equifax
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 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 XXXX XXXX XXXX XXXX XXXX : {$500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Complaint sub-issue: Problem with fees

On XX/XX/XXXX I mailed via USPS Priority Mail a letter to Citibank to pay off the balance with a XXXX XXXX check # XXXX in the amount of {$1500.00} stapled to the letter. A receipt from the USPS was received two days later that the letter was delivered to Citibank on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX a statement was received from Citibank that ( 1 ) failed to acknowledge receiving check # XXXX, and ( 2 ) added a XXXX past due fee of {$39.00} and a {$29.00} interest charge! After sending Citibank a letter of inquiry on XX/XX/XXXX asking why they did not deposit check # XXXX, a letter from Citibank dated XX/XX/XXXX stating they " were unable to locate your payment and you may want to request a stop payment on the original payment. '' [ NOTE, THIS WAS THE SECOND TIME IN THREE MONTHS THAT CITIBANK LOST ONE OF OUR CHECKS! Citi had ALSO previously lost our check # XXXX mailed to them XX/XX/XXXX, but later found and deposited it. 
After sending Citibank another letter dated XX/XX/XXXX disputing interest charges and late fees being added every month because Citibank had lost our XX/XX/XXXX check, we sent another XXXX XXXX check # XXXX in the amount of {$1500.00} to replace the XXXXXXXX XXXX check # XXXX that Citibank lost. 

Citibank has flatly refused to address the truth that THEY lost check # XXXX stapled to my letter the USPS delivered to them on XX/XX/XXXX at XXXX XXXX. They continue every month to add more interest charges and fees, failing to acknowledge that they lost my check and are trying to penalize me! I have no plans to be continually bullied by Citibank and am becoming concerned about my credit score if the CFPB can not confront Citibank on my behalf to protect me and my credit reputation!