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

XXXX XXXX XXXX XXXX XXXX : XX/XX/2020 Amounts : {$2400.00} In accordance with the Fair Credit Reporting Act 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: Debt was paid

LJ Ross Associates collecting for XXXX XXXX XX/XX/2016 Paid Debt Creditor Refuses to Remove debt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX with a {$690.00} balance, 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Complaint sub-issue: Reporting company used your report improperly

Lexis Nexis has violated my consumer rights. I contacted Lexis Nexis on XX/XX/XXXX and XX/XX/XXXX informing them of the violations of my consumer rights. Lexis Nexis infringed on my right as a consumer to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Lexis Nexis did not have a permissible purpose nor did they have my written instruction as a consumer to furnish any information about me to any consumer reporting agency. On XX/XX/XXXX I received a letter from the United States Bankruptcy Court for the XXXX XXXX of New York stating they do not provide information to credit report agencies. Lexis Nexis is in violation of 15 USC 1681a ( e ).
Complaint sub-issue: Didn't receive terms that were advertised

I opened an account according to a promotional offer. The offer stated that after {$500.00} of direct deposit, the account was due {$200.00} bonus. I deposited {$1000.00} and had recurring direct deposit set up with my work. The bank then closed my account to avoid paying the bonus.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

i am a XXXX senior and was a victim of XXXX  and XXXX  XXXX on XX/XX/19. they stole all the money from my XXXX  direct express card. this caused me to be evicted because i didnt hav rent money and has snowballed to the point i am XXXX. the robbers took XXXX $ unauthorized. i have cooperated with law enforcement, the direct express fraud dpt. and the suspects were arrested with my dir, ex. card my id ... on their person. they are in jail i am awitness for the trial XXXX XXXX one was realeased on bond and and i on the XXXX  and woried they might retaliate plu this last 2 nights were the coldest of the year and im about froze. all the direct express people need to do is contact the XXXX okla police dpt or the XXXX county okla dist attys office my case is XXXX. the direct express fraus investion # XXXX the police have atm video of these robbers using my card even! dont refer me to anyone else ive contacted every senior victims assistance place etc.. and i cant even find a XXXX   XXXX  to stay in. 

XXXX XXXX XXXX
Complaint sub-issue: Report improperly shared by CRC

The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name XXXX I had periods since XXXX where my payments were in excess of XXXX days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XX/XX/XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XX/XX/XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and account reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You're require BY LAW to report things 100 % accurate on my credit profile. How is there several late payments being reported for this account? I request your company to provide me with proof of these alleged payments being late. Im requesting verifiable documentary proof ( e.q., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed above. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory information from my consumer report. 


I am demanding that this account be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

MY NAME IS XXXX XXXX XXXX, AND I AM A UNITED STATES XXXX, XXXX  AS A CIVILIAN FROM THE XXXX XXXX XXXX. I AM WRITING YOU BECAUSE I HAVE PROBLEMS WITH MY CREDIT REPORT AS THEY ARE CLOSING ALL AVENUES FOR ME TO HAVE CREDIT WHEN I ALREADY PAID IN FULL ALMOST ALL CREDIT CARDS OWED. PLEASE SEND TO THE CREDIT BUREAU THE LETTERS, WHERE THE CREDIT CARD WAS PAID IN FULL, THIS XXXX  XXXX XXXX  WAS PAID PAID AS A SETTLEMENT DONE THROUGH XXXX XXXX XXXX AND MYSELF. 
XXXX XXXX XXXX ON XX/XX/2021. THE ONLY CREDIT CARD OWED TO XXXX XXXX WAS THE ONE ENDING XXXX, AND THEY HAVE 2 DIFFERENT ON MY CREDIT REPORT. PLEASE HELP!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2018 I was contact via email by the Manager XXXX XXXX of the Homesavers Government Program that my application for a Home loan relief and assistance that they will not be able to process or give any assistance for me being that I was not in a position to complete all legal requirements demanded by the government to display for their review to decide my approval for funds. 

During this process of being reassured by my current home loan provider XXXX XXXX .... the action requested of me by Ms. XXXX XXXX at the Housing Agency was totally impossible. 

I have another borrower on my existing mortgage that I havent seen or conversed with in many years nor was I able to provided a current address or produce a required signature of the additional borrower because that would mean I was in contact with such person. 

I informed Homesaver Government Program Ms XXXX XXXX that it would require me to conduct a entire refinance of my home to remove the other borrower to have the ability to complete all vital Government required documentation necessary to go forward and that wasnt possible because I was also unable to afford such a process even if it was possible. 
Nor was I able to produce other financial records also stipulated in the Government detailed document to become a participant that MUST be provided by all residents in the community. 

As I explained to this Programs Management and Ms. XXXX XXXX, and many others who authorized the continuation of processing incomplete documents and altering the stipulations at their own discretion ignoring the demand of the Federal Government to obtain housing funds is simply athat did not meet the required standards to do so. 

Unfortunately I was not giving any type of common sense reply or explanation. 

Therefore, the inquiry that impacted my credit report was legitimately unauthorized that resulted in a decline in my credit score, Also I was informed by management and Ms.XXXX  prior to the decision of there action to submit these documents that I would be declined. 

Which was absolutely wrong to even attempt to submit with full knowledge of the essentials needed to be approved.
Complaint sub-issue: Reporting company used your report improperly

I keep getting hit with hard inquires every week, I call the creditor they tell me to call a different company than that company tell me to call another and the last company has no answer why it 's happening. So my score is getting lower every week by same creditor, the creditor is called credit plus.
Complaint sub-issue: Information belongs to someone else

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX/XXXX   XXXX {$1000.00}
Complaint sub-issue: Account information incorrect

i contacted all 3 credit bureaus on XX/XX/2022 asking them to verify the accounts and debts on my credit reports due to the fact that i noticed some inaccuracies on my reports the responded telling me that they have verified my reports and yet there are still some inaccuracies on my credit reports the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN ACCORDANCE TO 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying for months to get fraudulent accounts removed from my report. Equifax has been the only one giving me a hard time. It seems like I am being punished for trying to get these fraudulent accounts removed. There is one account left with XXXX XXXX XXXX. This account was started by a family member. I resided on the other side of the state and had an account with a totally different electric provider. Equifax has dropped my credit rating over XXXX points in the last few months. There are no derogatory remarks on my credit report everything is up to date. I am a XXXX veteran and I am trying to get my credit as high as I can before I purchase a home. Equifax is negatively impacting my livelihood. I would like to get this problem taken care of so I can get on with my life.
Complaint sub-issue: Overdrafts and overdraft fees

Tcf bank,,, i had XXXX in my checking account i purchased a item for XXXX i was debit XXXX the bank charged me 6 overdraft fees at XXXX each for a total of XXXX because previous charges started posting to my account from merchants but the money was allready deducted from my checking account from the the bank itself, why am i being charged fees for items that are posting but allreay being withheld from me this is a serious act of fraud by the bank and needs to be addressed immediatly.
Complaint sub-issue: Received bad information about your loan

I have been sued and summons to court by XXXX XXXX XXXX XXXX. They tell me that they need money from me but cant explain how they got my loan. I took a loan out with XXXX bank for XXXX XXXX in XXXX. These people does not and has not showed how they got my loan. I went to court judge ask have you ever went to college I said yes he said well the debts valid. Ok if its valid can we prove how these people have rights to collect? And why hasnt chase sent me something? And why did it take nearly 8 yrs before these people came about? The judge did not want to hear any of my questions nor did he want these people to explain to me. I am up to XXXX XXXX plus at of 2 yrs ago it was XXXX XXXX how on earth did this happen? And how is it logical? And okay to do people this way? .the documents they showed the judges was my name on a list of I'm assuming it's my name with hundreds of others name. And they said this is how we own your loan and all these others. XXXX XXXX XXXX XXXX XXXX is definitely trying to cause me to go homeless and my children ripped from my arms because I do not have the necessary funds to take care of my children when having to be asked to pay XXXX month. Who are these people and why is this happening to me? I went to court in XXXX for this loan and here I am facing garnishments bank levies after things have been taken I'm notified. I've had tax intercept. I am so confused and need help to beat this case once and for all. I know these people are scams I know they are trying to XXXX the life out of me. I am trying to be a successful member of society. And if ever two yrs I'm tracked on nearly 10 grand to the balance. This means it will never end. I dont have this type of money. XXXX is suppose to sue or someone should show me where it was sold to this company with rights to ownership. I need help. Bad for this case.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXXXXXX XXXX and account XXXX 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: Sued you without properly notifying you of lawsuit

I started getting advertisement from lawyers about taking on my case and filing for chapter 7 or 13. I did n't know what was going on until I looked up the state court case with my name on it from Razor Capital on behalf of XXXX XXXX, suing/garnishing me for an old business account in which the bank is closed ( shut down ). I do n't even remember the debt.
Complaint sub-issue: Company closed your account

On XX/XX/2022, Citi bank decided to close 4 of my credit cards accounts. Citi XXXX card ending with XXXX, with a credit limit of {$74000.00} and Citi XXXX preferred card ending with XXXX with a limit of {$25000.00}. My Best buy Credit card with a limit of {$38000.00} and Macy Card with a limit of {$15000.00} Approximately. I have been with Citi bank on average of 7 years. I Haven't committed any fraud or had issues pertaining to fraud with Citi bank. I have always paid my bills on time as expected and have never had any type of issues with Citi Bank whatsoever. Why my account was closed is still a sad mystery to me and I did try to reach out to Citi bank to ask why my account was closed after years of many scarifies and struggling to build a solid credit history and foundation. I called at different occasions ; nobody was willing to give me a reason why my accounts were closed, because am quite sure they had none. After weeks of relentless efforts, I got through to someone who told me to write a letter to find out why my account was closed. I wrote a letter asking why my account were closed, only to receive a letter that was vague and had no specifics. This is a big slap on my face, you are told to do everything right, and only to receive this type of slap in the face for doing the right things. This is tyranny. I don't know who else to turn to for help. They haven't given any specific reasons, and there is no just cause for taking adverse action against me, and I feel discriminated against. Under the Equal Opportunity Credit Act, a bank can't discriminate against you based on race, color, religion, nationality, gender, age, or good faith exercise of any rights. Their actions obviously are very discriminating to me, because the bank is very quick to give reasons in their letters while certain actions are taken. In a case where the bank writes a letter and can't give you specifics, or specific reasons why certain actions are taken, it's obvious this is discriminatory action taken against me. To make matters worse, I do not even know if a can open a new credit card with Citi bank, if after how many years of relentless efforts from me and they discriminate against me, how can I guarantee that this same type of discrimination wouldn't happen again to me?
Complaint sub-issue: Old information reappears or never goes away

I had recently disputed this exact issue regarding old information still being reported on my Equifax, XXXX, and XXXX credit reports numerous times and they were FINALLY removed and yesterday I received a notification about a change to my credit scores. I checked them and their was a decrease of 22 and 73 points respectively as well as information on my personal contact info that doesnt even belong to me!!! This is getting to be BEYOND RIDICULOUS!!!
Complaint sub-issue: Debt was paid

Paid this debt to another creditor already. Have documentation saying the account has been settled. I will not do the homework for this company. 

Rausch Sturm LLP : Received a letter on XX/XX/2021 saying I owe XXXX to XXXX XXXX  XXXX, XXXX. 

Debt has already been settled and has been previously removed from all 3 credit bureau 's as well.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$0.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XXXX   XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 I submitted a dispute to Equifax regarding unauthorized inquires on my credit report. I also provide them a copy of the Identity theft reporting advising that I have been a victim of identity theft. I submitted all required and necessary information for this to be corrected on my credit report. I am very dissatisfied that I am the victim and I am not able to get inquiries that I have not authorized removed from my credit report
Complaint sub-issue: Reporting company used your report improperly

Upon checking my XXXX, Equifax, and XXXX consumer credit report I found that persons XXXX, Equifax, and XXXX violated the fair credit reporting act laws and also damaged my consumer credit reputation with the following information listed Below 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting 15 U.S. Code 1681e - Compliance processes ( a ) Identity and purposes of credit users 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1666b - Timing of payments XXXX is reporting the following accounts violating these laws : XXXX account number XXXX, XXXX XXXX XXXXXXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX. 

Equifax is reporting the following accounts violating these laws : XXXX XXXX account number XXXXXXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX  XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX account number XXXX. 

XXXX is reporting the following accounts violating these laws XXXX XXXX account number XXXXXXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXX account number XXXXXXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX  account number XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Trouble with how payments are being handled

After trying to get PSLF forgiveness and being denied ( complaint #  XXXX  ) FedLoan servicing recommended a payment plan that would have been more than {$150.00} per month than I was previously paying. I called them twice to complain and was told the first time that my payment would be adjusted down and to ex pect one payment period of forbearance to get onto the new payment schedule. Just before the scheduled payment was due, I logged into the FedLoan website and noted that the payment was still scheduled and no forbearance was issued. I called them immediately and they again told me not to worry about the payment and re-issued a forbearance ( verbally ) and let me know the rate would be adjusted downward. Two days later an automatic payment was taken out of my checking account for the unadjusted amount. This caused an overdraft on my checking account. I tried twice to get this situation straightened out and their actions re sulted in an overdraft.