Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/2022 to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$2700.00} XXXX XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX CARD XXXX Balance : {$7400.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$84000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$2800.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again.
Complaint sub-issue: Information belongs to someone else

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( Bankruptcy Chapter XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Complaint sub-issue: Received bad information about your loan

I have had repeated problems with XXXX  XXXX giving inconsistent information in the five years I have been working with them on repaying my substantial student debt. 

To start, I am a XXXX and have been diligent in making payments since finishing my training. 

The latest example of trouble came this summer when, in XXXX, I was sent a note askng for me to recertify my income that had the following phrasing : " If we do not receive your completed application and all supporting documentation within 10 days of XX/XX/2018, your monthly payment is estimated to be XXXX, first due on XX/XX/2018. '' I completed these requirements at my first convenience, thinking XX/XX/2018 marked a deadline, not a target. 

I received a note in XXXX stating that my application was denied because I had applied too soon. I mentioned that I only did what I thought I was being asked, but I was told not to recertify until the fall. 

Come XXXX, I see that my month payment jumped up to the XXXX level mentioned in the XXXX note, suggesting that my income driven repayment plan must have lapsed. I called back in early XXXX to better understand what happened, and I was told there was a mixup in dates, that the paperwork I sent in XXXX would be used to recertify my income and recalculate my monthly payment, and that I did not have to worry about the XXXX payment because they could not review and recalculate in time for an XX/XX/2018 payment. 

I see today ( XX/XX/2018 ) that my account is listed as delinquent. I call back, and a condescending agent suggested it was my fault all along because I sent my paperwork shortly after they requested it, and not specifically around the time of XX/XX/2018. I explained how no reasonable reader of that original letter would suspect they had to time the arrival of the paperwork for the deadline, and that I was essentially being punished for sending in paperwork shortly after asked. 

Fundamentally, I am trying to do the right thing by keeping up with payments and the requisite paperwork. The operational inconsistency from the agents not only undermines confidence but leads to unfair labeling of my account that can have negative credit ramifications and delays in payments while interest continues to accrue. 

I check my balance at least weekly and keep up on this ; I can only imagine what happens to those without the time or curiosity to keep XXXX  XXXX  honest.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX a Federally protected consumer informed XXXX that they are in violation of 15 U.S.C 1681a ( d ) ( 2 ) ( B ) by reporting the follow items on my consumer report. 

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2013 I notified the three bureau 's of fraudulent accounts reporting on my credit report that continue to report despite the fact I followed the appropriate steps to prove the accounts do not belong to me. Please see accounts below that does not belong to me. 

XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent a follow up 2nd Request for these accounts to be removed because I have not received responses from some of the bureaus in regards to this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

i have contacted the XXXX credit bureaus as well as XXXX XXXX XXXX challenging the factual, accurate, and compliant reporting of this account XXXX times ... .each time it comes back stating that it is verified ... .how can they be verifying this account with all of the inaccurate reporting between the XXXX bureaus? ... .i have attached a copy of the report with all of the inconsistencies circled..this account has been re aged, this account is reporting as a charge off but also reporting a past due balance that is a violation from everything im reading... .this account is reporting as a charge off but also reporting a credit limit..that is a violation as well and thats just from what my untrained eye see 's ... i have circled all inconsistencies
Complaint sub-issue: Attempted to collect wrong amount

XX/XX/XXXX Consumer Financial Protection Bureau Office of Innovation - Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX XXXX Washington XXXX DC XXXX U.S. Department of Justice Internal Revenue Service Bankruptcy Specialist XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Washington, DC XXXX To : Consumer Financial Protection Bureau Re : US Bank - complaints on file : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( Marked as a duplicate complaint on XX/XX/XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Closed Marked as a duplicate complaint XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX Company response is in progress as of XX/XX/XXXX in relation to CFPB 's personal own statement that " Each week we send more than XXXX complaints about financial products anld services to companies for response. If another agency would be better able to assist, we'll send it to them and let you know. Most companies respond within 15 days. '' and the details listed below. 


Dear CFPB, on XX/XX/XXXX, a US Bank National Representative, on behalf of US Bank National Association, filed into the public records of XXXX XXXX XXXX XXXX XXXX, a list of their own Corporate Representatives, who have personal knowledge of all matters pertaining to me and any business relationship/interactions occurring between me and US Bank National from XXXX to the present date. 

The first complaint submitted to the CFPB regarding US Bank National was on XX/XX/XXXX and submitted thereafter, CAN be responded to within the 15 days alloted by the CFPB and the Bank does not require more time, as they have indicated in a response to the XX/XX/XXXX complaint. 

On XX/XX/XXXX, each individual listed below was personally named as a witness in an action filed against me by US BANK National, and each individual should be contacted directly to respond to all complaints that I have filed with the CFPB sent to US Bank National and are still awaiting their response.

US Bank National described these individuals witnesses as its own : " Corporate Representatives '' - see the attached Court Filing # XXXX E-Filed XX/XX/XXXX XXXX XXXX, who are individuals that are willing to and will testify as to authenticity of documents, the boarding process of business records, and that the records are kept in the course of regularly conducted business. These Corporate Representatives of US BANK NATIONAL have stated that they can also testify as to the fact that a default occurred and the amounts are due and owing. These corporate representatives of US BANK NATIONAL are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened this account with CitiBank in XX/XX/2020, from an online promotion. The promotion was that I would receive a bonus of {$750.00} if i deposited {$50000.00} and left it there for three months. When I checked in XX/XX/2020, they told me that I needed to leave it there another 90 days and that everything was inline to receive it on XXXX XXXX. Here we are in XXXX, and now Im being told that I need to fax the offer to them ( i dont have it, as it was originally online ), and that they dont typically do that offer. Wrong on all counts, there is a {$700.00} promotion going on right now for the same account. I was told that a supervisor would call me back today, and have heard nothing My case number assigned to me, actually had someone elses name on it.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is currently reporting in XXXX and XXXX that i am paying late on a closed paid account since XXXX, they are reporting lates to equifax and XXXX currently which just caused a problem with my current job due to it showing deliquients in XXXX and XXXX, i am no longer liable for account and requesting account be deleted corrected XXXX  there should be no new reportings on this account at all, i have received any communications from XXXX at all, especially adding new entries of late pays in XXXX and XXXX ... i have attached my equifax report showing XXXX inaccurate reportings ... .Please remove XXXX this is causing a severe hardship and can affect employment this info is not correct and should not be reporting ....
Complaint sub-issue: Card was charged for something you did not purchase with the card

I applied for and was approved for a credit card. While i was waiting tio recieve my card in the mail, fruadulent purchases were made. Disover refueses to honor my claim. Please see attached document for further explanation. Thanks.
Complaint sub-issue: Information belongs to someone else

These are not my inquires or accounts listed on FTC report.
Complaint sub-issue: Used obscene, profane, or other abusive language

Received a call, first of all was asked to VERIFY IDENTITY WITH SOCIAL SECURITY NUMBER OR OTHER HEAVILY SUSPECT INFORMATION, secondly she was VERY rude after being told I was XXXX and on SSI and that Medicaid should have covered the amount and I would discuss the issue with the debtor themselves, finally, she became very abusive threatening my SSI as ability to pay and saying things like Being XXXX doesnt automatically exclude you from paying and insulting the fact that I am XXXX AFTER being told I was going to contact original debtor to ask why this was sent to collections when I was not informed of the debt or the reasons Medicaid did not cover the services. Very rude and caused me to have XXXX XXXXXXXX afterward due to the stress caused. Luckily I am unharmed but harassing a XXXX person to the point of XXXX is UNACCEPTABLE FROM DEBT COLLECTORS!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Problem with statement of dispute

had requested Equifax to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Complaint sub-issue: Deposits and withdrawals

X/XX/2017 My purse stolen. ( unbeknownst to me contained a blank check ) X/XX/2017 Fraudulent check cashed against my checking account U.S, Bank XX/XX/XXXX-X/2017 I contacted U.S.Bank, who instructed me to fill out fraud report XXXX I received a denial of claim from the Fraud dept., they claim that I 'm at fault for not securing my checks. X/XX/2017 I went to my local bank branch and was told that when the fraud dept makes a denial, it is finial. I talked to XXXX XXXX, branch manager at the XXXX branch. XXXX XXXX said that he would do what he could. After many phone calls and several weeks later, nothing has been X/XX/2017 XXXX XXXX said the Back Office would try and pursue the matter through the bank that cashed the check. Fidelity. X/XX/2017 XXXX XXXX called to say there was n't anything else he could do. He suggested that I pursue the matter through the other bank, Fidelity. I do n't think that is fair since US Bank was not successful in taking that route. XXXX XXXX said he would contact his Regional manager XXXX XXXX. X/XX/2017 XXXX XXXX offered me 1/2 of the amount of the fraudulent check stating that I was at least 50 % to blame. X/XX/2017 I contacted the CFPB to ask for their help in full restitution. Thank you.
Complaint sub-issue: Frequent or repeated calls

I have mailed out a letter asking for validation on XX/XX/19. Im waiting on a response from the company. I keep receiving multiple calls throughout the whole day and I have asked for this to stop. They continue to calm me repeatedly without responding to my mailed correspondence. A letter to cease will be mailed next.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Approximately three to four months ago I began working with Lake City Credit and a representative who called himself XXXX. He tended to be pushy with me at times and would call while I was at work. Im asked kindly to return his call later that day and not no longer contact me during my work hours XXXX - XXXX. I ended up leaving work later than I anticipated that day and missed the window to reach him. He called me the next morning against my prior wishes and I had to ignore the call. But! He called me right back! Again I ignored it because I was at work. At that point I wasnt calling him back that day. Each day for the next couple weeks he would call me two times a day and if I ignored the call he would double dial me back. It was extremely stressful with all those calls during my work hours. So, I called him back after two weeks and told him I would set up an arrangement at a later time. On XX/XX/2020 XXXX contacted me yet again whilst I was at work. 
I then told him to cease calling my ok one and place me on the company Do Not Call list. He laughed and did not acknowledge me so I again stated I wanted to be on the do not call list and was aware my call was being monitored and recorded On XX/XX/2020 XXXX and Lake City contacted me again.
Complaint sub-issue: Their investigation did not fix an error on your report

My XXXXXXXX XXXX account is being shown late XX/XX/XXXX and XX/XX/XXXX. This information is innacurate and untrue. I have asked for several investigations to be conducted all of which were ignored. I have the right to privacy and this information is being shared without my permission. At some point I will have to take legal action if it is not removed immediately. 

XXXX XXXX Remove these late payments immediately. This information is hurting my future and I will sue for every infraction.
Complaint sub-issue: Reporting company used your report improperly

Account XXXX XXXX # XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Complaint sub-issue: Company closed your account

Account in good standing, customer for over 17 years, over $ XXXX credit line. Received e-mail yesterday XX/XX/XXXXXXXX  that they were going to close my account. Citibank states that they pulled my credit report from XXXX in XX/XX/XXXX and decided to close my account. Pulled three bureau credit score, all shows credit score over 800 and no issues. Called Citibank this morning to ask what was going on and was told the above.
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 has violated my rights. 
XXXX Account # XXXX has violated my rights. 
DPT ED/XXXX Account # XXXX has violated my rights. 
DPT ED/XXXX Account # XXXXhas violated my rights. 
XXXX ( original XXXXXXXX XXXX ) Account # XXXXhas violated my rights. 
XXXX XXXX ( original XXXXXXXX XXXX XXXXXXXX ) Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXXXXXX XXXX Account # XXXX has violated my rights. 
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 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: Information belongs to someone else

I have reviewed my credit and noticed that there are account ( s ) on my credit report that was not me. These seem to be fraudulent and will need to be removed from my credit. The following accounts are : XXXX XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXX {$540.00}, and XXXX XXXXXXXX XXXX {$9000.00}. 

Please see attached FTC Report and Clear Identification as what I was instructed to do from FTC in reference to these fraudulent account and I do not assume responsibility for any accounts listed
Complaint sub-issue: Received bad information about your loan

I keep getting misinformation in regards to my employment certification form for the public loan forgiveness program. I've been told multiple incorrect things and they never update my qualifying payments section when they say they will. This is beyond frustrating and totally unfair to borrowers that can not choose their own servicer and who are counting on loan forgiveness.
Complaint sub-issue: Their investigation did not fix an error on your report

I have asked for validation of this account of original signed documentation of this account belonging to me. When I called and talked to them they told me that they did not have any documents of signed proof for this account belonging to me. This unverified account is hindering me from getting a Home, Employment and other assistance. 
I have sent several letters to Equifax asking them to delete this from my credit report. I called Equifax and I talked to Employer # XXXX XXXX. He stated that they do not need any proof from the original creditor. XXXX also stated that they do not investigate they only report what is being told to Equifax.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my right to privacy. 15 U.S.C. 1681 SECTION 602A States I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2 IT Also states that no credit reporting consumer can not furnish an account without my written instructions. 
In accordance with Fair Credit Reporting, act XXXX XXXX XXXX has violated my right to privacy. 15 U.S.C. 1681 SECTION 602A States I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2 IT Also states that no credit reporting consumer can not furnish an account without my written instructions.

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX  has violated my right to privacy. 15 U.S.C. 1681 SECTION 602A States I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2 IT Also states that no credit reporting consumer can not furnish an account without my written instructions. 
In accordance with Fair Credit Reporting Act XXXX XXXX XXXXXXXX  has violated my right to privacy. 15 U.S.C. 1681 SECTION 602A States I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2 IT Also states that no credit reporting consumer can not furnish an account without my written instructions.