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

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC1681. 
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 15 U.S.C 1681 section 602 ( A ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( A ) 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 conviction 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 status incorrect

This new information pertaining to the dispute number ( XXXX ) The information reporting on my credit report is inaccurate the account should show paid in full and XXXX balance. 

This account is showing past due and charged off this is inaccurate information. 

THE IRS says that a charge off is canceled debt! The form 1099c is for CANCELLED DEBT, till this day I have not received any such documentation from this company about the debt that was canceled. The company is also supposed to receive a TAX WRITE OFF and also have a INSURANCE built into THE FINANCE CHARGE to cover losses.

15 U.S. Code 1605 - Determination of finance charge 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

Through TILA it states that the lender has the FINANCE CHARGE that protects the lender in the Fact that the obligation DEFAULTS. Which means that they have collected on the INSURANCE MONEY already.

Now they put it on my CONSUMER REPORT that this is a charge off. Well according to the IRS any amount over 600 dollars, where a creditor cancels a debt or file a form 1099c. They must send the OBLIGOR/CONSUMER a form 1099c. I did not receive my 1099c for this cancelled DEBT! A cancelled debt means exactly what it says a CANCELLED DEBT! So how did you COERCE me into paying the balance? You have deceived me, you have frauded me, you have robbed me.

On top of that you collected the insurance money, the IRS goes further into a CHARGEOFF or cancelled debt as GROSS or INCOME! You are reporting a CHARGEOFF on my consumer report! Income does not get reported on my CONSUMER REPORT! You are inaccurately reporting this account! Further more you have committed TAX FRAUD!

On top of that you still expect me to pay you.

I need this account closed as paid. As soon as possible
Complaint sub-issue: Their investigation did not fix an error on your report

Provide the orginal copy of the written notice of debt sent also provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Complaint sub-issue: Information belongs to someone else

The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Sex ; Marital status ; All FTC violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX see attached documents
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX, 15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an action without my written instructon.
Complaint sub-issue: Fee problem

My husband and I have an account with US bank, along with my daughter who is a minor so my name is on the account. Theres been an overwhelming amount of overdraft fees on all our accounts even though our card is locked and we havent used the account. One day theres money in the account, we havent used our card as I said, the next thing theres all these overdraft charges on there. Weve talked to the bank and all theyll do is remove one of the fees. Its like hundreds of dollars at one time making our account hundreds of dollars overdrawn. My daughters and mine account ( its one account because shes a minor ) is almost {$200.00} dollars overdrawn and she hasnt even used it! These charges are breaking us!
Complaint sub-issue: Investigation took more than 30 days

EQUIFAX has failed to complete an investigation begun by Equifax in response to CFPB COMPLAINT XXXX regarding XXXX XXXX XXXX, account # XXXX. 
By function of credit law and procedure this fraudulent account should have been removed from this bureau 's report as it was done on XXXX and XXXX, long ago. 
THE EQUIFAX REPORT AS ATTACHED SHOWS THIS ACCOUNT '' UNDER INVESTIGATION '' YESTERDAY AFTER CLOSURE OF THE 30 DAY DISPUTE PERIOD begun by the response to the noted CFPB complaint above.EQUIFAX IS NOT HANDLEING THEIR WORKLOAD AND VIOLATES THE FCRA, to my detriment.
Complaint sub-issue: Received bad information about your loan

I am a participant in the Public Service Loan Forgiveness Program and my federal direct loans are serviced through myfedloan.org. MyFedLoan.org is currently distributing faulty information about the CARES Act and how borrowers can receive qualifying payments through the recently passed forbearance period recently passed by Congress. I have tried contacting them with no response received.

This is what their website currently states : " Special Considerations for Borrowers Pursuing Public Service Loan Forgiveness or Loan Forgiveness Through an Income-Driven Repayment ( IDR ) Plan The time spent on the emergency administrative forbearance will not count toward your required payment count. '' This is incorrect according to multiple sources and the Consumer Financial Protection Bureau Website. The website upon which that information is housed is here : https : //myfedloan.org/borrowers/covid
Complaint sub-issue: Information belongs to someone else

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$480.00} XXXX XXXX   XXXX XXXX {$560.00} XXXX XXXX XXXX {$620.00}
Complaint sub-issue: Account status incorrect

The current standing of the Federal student loan at XXXX XXXX is listed as open with a balance of roughly {$12000.00} on my XXXX  credit report. The loan was transferred from XXXX XXXX to XXXX XXXX and was forgiven through the Federal student loan forgiveness program. The XXXX XXXX correctly indicates that the loan balance is {$0.00}. The XXXX XXXX account still shows the loans carrying a balance. 

I initiated disputes at XXXX with accompanying paperwork showing the loan balance at XXXX XXXX in XXXX and XXXX of XXXX. No action was taken to clarify the Dispute. I also contacted XXXX services on XX/XX/XXXX with the following : " From : XXXX Sent : Thu XX/XX/XXXX XXXX XXXX ( Eastern Daylight Time ) To : XXXX Subject : Other XXXX XXXX My loans were transferred and closed at XXXX XXXX XXXX to Federal Student Aid for forgiveness, but on my XXXX and XXXX credit report the XXXX XXXX  loans are not marked as closed. The last update was XXXX of XXXX. 

Please report these loans as closed to All credit reporting agencies As soon as possible, to avoid future legal action. 

Best Regards, XXXX '' the response was as follows : " On Tue, XX/XX/XXXX at XXXXXXXX XXXX XXXX wrote : Hello XXXX, Thank you for contacting XXXX XXXX. We apologize for any inconvenience this may cause. The U.S. Department of Education has changed the process of credit reporting when your account is transferred between federal student loan servicers. We will no longer close the current tradeline for your federal student loans, instead, the credit reporting file is now transferred to your new federal student loan servicer. Your account was transferred to the Public Service Loan Forgiveness processor on XX/XX/XXXX, and they would have received your credit reporting file within 90 days of your transfer. Please contact XXXX directly for further assistance. 

Thank you, XXXX XXXX XXXX We value your opinion and want to know how we can improve your email experience. Please take a minute and provide us with your feedback by clicking on this short survey. 
https : //Edfinancial.com/emailsurvey '' I responded on XX/XX/XXXX : " From : XXXX Date : Tue, XX/XX/XXXX at XXXX XXXX Subject : Re : XXXX To : XXXX Hello XXXX, The loans were transferred, but there is no indication on my credit report that they were transferred from you to the other vendor. So it looks like the loans are still open at XXXX XXXX. There has to be another step to document the transfer of the loans and subsequent XXXX balance owed to XXXX XXXX. Otherwise it looks like I still owe XXXX XXXX $ XXXX even though the loan is closed and forgiven at XXXX. This needs to be escalated to management for review. 

Thanks XXXX '' No response has been received from XXXX at this time, additionally the disputes at XXXX were not successful, thus the loans still show the {$12000.00} is owed to XXXX when there is a {$0.00} balance.
Complaint sub-issue: Was not notified of investigation status or results

I am really bothered how this account appeared in my report. The fact that they did not provide any document to support the validity and truthfulness of this account is very questionable to me. As I see the report there are a lot of inaccuracies in dates and in payment history. I am asking for you help to get rid of this account.
Complaint sub-issue: Problem using a debit or ATM card

My wallet was stolen at a XXXX 's in XXXX on XX/XX/XXXX. Within an hour, I notified XXXX Police, and my banks, including PNC Bank ( I have a debit card and checking account ). 

PNC froze the debit card and issued a new debit card with a different number, mailing it to my address. I received the new debit card several days later. 
I also submitted an online disputed transaction to dispute the charge to XXXX ( {$110.00} ) right after my wallet was stolen, before PNC could freeze the account. My account was provisionally credited with the {$110.00}. 

Several weeks later, on XX/XX/XXXX, I became aware that {$1700.00} was missing from my account. After numerous calls, emails, and in-person meetings at the PNC branch bank, I learned that someone entered the XXXX XXXX PNC bank on XX/XX/XXXX and presented my driver 's license, misrepresenting themself as me. Despite not having the correct debit card number, not matching my signature, not looking like me, and the fact that PNC knew my wallet had been stolen, PNC allowed this person to do a cash withdrawal of {$1700.00} from my bank account, effectively wiping out my account. PNC is now also charging me service charges due to a low account balance when my account balance should not be low. 

I have made repeated requests for the {$1700.00} ( and service charges ) to be returned to me promptly since this is my only account with a debit card. PNC has told me they need 30 days to investigate. The only thing that needs to be investigated is why they ignored my repeated communications that my wallet was stolen and the account needed to be monitored closely for fraud, why the bank teller egregiously breached policies and protocols and what discipline should be imposed on the bank teller and the bank. I would like my money returned ( ideally with an apology ) and to ensure that this does not happen to others, to the extent possible. 

I am also requesting that PNC cooperate with the XXXX Police Department and send all of the information about this fraud to my active police investigator, detective, XXXX - police report XXXX
Complaint sub-issue: Problem getting my free annual report

Equifax is such a deceptive and dirty company. Oh wow.. I just applied online through XXXX 's website to see my report and Equifax popped up several questions of which did not appear to apply to me, to validate my identity. Not XXXX question applied to me. Which was very unusual. It leads me to believe someone other than myself has been applying or has applied for credit in my name. So Equifax told me that I was unable to view my report online and to send them certain information. I said ok. 

Later on in the evening I happened to be checking my email and I had an email from Equifax stating " We have recieved your " order '' and your charges will apply starting next month ( or something to that effect ) unless you cancel. I have not ordered anything from Equifax. Anything at all. Then Equifax stated " you can view your report at this link '' and the link then directed me to a website where the company was pushing promotional materials at me. 

How dirty and deceptive. America is going to XXXX. Companies have no ethics now. It 's all greed. 

I need an answer from Equifax why I was sent this email stating I had ordered something that would 'cost me money ' when I did not. 

I read a few online complaints regarding Equifax and there are several online where individuals are stating that Equifax " intentionally misleads '' consumers into believing we have been the victim of identity theft by putting up " all false and fake questions '' to verify our identity and then by denying access to our reports. There are many online complaints where people are saying this. If so, it needs to stop. Equifax already ships all of its jobs XXXX to XXXX workers they pay pennies per day who sound like mind controlled robots and who have no clue about laws governing credit reporting in the U.S. and now the company in my estimation is willingly misleading Americans to falsely believe we have been the victims of Identity theft just to hawk more products at us. SHAME ON EQUIFAX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is reporting I am late on a XXXX XXXX auto loan charged off account how can I be late 90 days 17 times on a charged off account? There also reporting account XXXX XXXX/XXXX XXXX XXXX that is wrong on a payment history Ive never made a payment to them this must be deleted there also reporting a XXXX XXXX XXXX account which is fraudulent I demand to see a signed contract or proof that this is my account giving them the right to report this! Also XXXX  XXXX  is showing Im late 90 days 20 times how can this be if this account is charged off? XXXX XXXX is reporting Im 90 days late 2 times how can this be if the account is charged off and the payment history is wrong Ive never made a payment on this account also XXXX XXXX is reporting Im 90 days late 4 times how can this be when the account is charged off Ive also never made a payment on this account also XXXX XXXX XXXX XXXX   is reporting Im late 90 days 6 times how can this be when the account is charged off and Ive never made a payment on this account also the address on file is wrong and no account is associated with my current address please show me Proof of documents when this was disputed under confirmation number XXXX conformation number from XX/XX/XXXX XXXX please show me documents used to verify these accounts also there are 6 fraudulent inquires on my file that must be deleted there fraudulent inquiries please show me proof I was trying to obtain credit how did you verify these inquires were mine I am going to sue if these arent deleted as I have proof you guys didnt do a proper investigation enclosed is a police Report and drivers licenses and social security card with police report
Complaint sub-issue: Reporting company used your report improperly

MY name is XXXX XXXX XXXX, I live on XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX  XXXX, ca XXXX, I have one fraudulent account reporting on XXXX, XXXX, Equifax, I never received the credit card from XXXX, account number is XXXX. 
I contacted XXXX on XX/XX/2015, and explained to them that I never applied for XXXX and never received the credit card, and asked them to remove it from my credit bureaus and I asked them to send me evidence that I used this card, but they refused to send me any documents to prove their merits.please contact the three credit company and block and delete this fraudulent account. This account was opened on XX/XX/2015, with fraudulent balance of {$2800.00}.
Complaint sub-issue: Reporting company used your report improperly

I am the consumer, original creditor, and natural person. 

Pursuant to 15 USC 1681 ( a ) ( 4 ), Lexis Nexis infringed upon my right to privacy by publishing alleged negative information from third parties on my consumer report and sold it to XXXX, XXXX, XXXX, and XXXX. 
Pursuant to 15 USC 1681b ( a ) ( 2 ), Lexis Nexis never received written instructions from me, nor does it have permissible purpose to furnish a consumer report about my alleged credit accounts with XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX or XXXX. I also never provided Lexis Nexis with written instructions to furnish alleged inquiries on my consumer report for : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: No notice of investigation status/result

disputed incorect information that XXXX XXXX XXXX reported to the credit reporting agencies. 
disputes were sent to equifax and XXXX XXXX XXXX. 
XXXX XXXX XXXX replied by letter that the info that they provided was " accurate. 
this is a LIE.
Complaint sub-issue: Information belongs to someone else

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Complaint sub-issue: Account status incorrect

XXXX XXXX  has reached a settlement with me back on XX/XX/XXXX where they agreed to remove this and all accounts they wrongfully reported in first place to CRAs under my social. See attached final stipulation as a proof of my statement. To this day XXXX keeps reporting NEGATIVELY account they legally agreed to delete ... also see attached page from XXXX evidencing the presence of this erroneous account. My numerous attempts to reason with XXXX and request a removal of this account as negotiated are being ignored for 2+ years now ... 
XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$4100.00} written off.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

My account has been closed for over a month now requesting that I upload my id and social security card. I uploaded the documents needed on the XXXX of XXXX And was told my account would be active to use in 48 hours. Then after 48 hours they said 5 days. After 5 days I uploaded the documents again because I havent been able to access my money for a month now and my power is shut off and I have a kid to feed this is ridiculous. Please help me I have called reliacard through us bank every day and the unemployment people said there's no reason why they are holding MY money. Its been a month!!!!!!!!!
Complaint sub-issue: Problem getting your free annual credit report

Today I tried to get a free credit report from Equifax. I completed everything on the form and then it said that it could not supply and that I needed to call an eight hundred *** number. My problem ( always ) is that my hearing is profound and I can not use a phone. So I can not get my free report? That is discrimination to XXXX senior citizens. Something is wrong with Equifax
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX  XXXX {$690.00} XXXX  XXXX {$11000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Complaint sub-issue: Reporting company used your report improperly

I had went to a car dealership and I told the people that I was just looking that I didn't actually want to apply, and they still took my information but I told them that I did not want to actually apply. So I look on my credit report and I notice all of these hard inquires that I listed below that I didn't even apply for or authorize anybody to use or run my credit. And the rest of these hard inquires I absolutely do not recognize I already submitted those to the identity theft department. 

XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ( XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX Account # : XXXX Balance : {$19000.00} Date Opened : XX/XX/XXXXXXXX XXXX Account # : XXXX Balance : {$4400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXXXXXX XXXX Account # : XXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$53.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account XXXX XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) Account XXXX XXXX XXXX Balance : {$50.00} Date Opened : XX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.