Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Application denied

I applied for a credit card with XXXX XXXX. It was denied due Equifax. I had a similar problem around 3 years ago. Equifax sent me a number of pages to fill out and correct their errors. It took some time to make all the corrections. Once sent back to them, the matter was resolved and I received the credit card. It now appears I have to start all over again with them. This is not acceptable to me. I have one small intentional debt and an annual income of {$80000.00}. Companies like Equifax hold a lot of influence and should be somewhat competent in their processes, otherwise, they should be investigated or shut down. What can I do about this?. Thank you ... XXXX XXXX XXXX ... .case reference # XXXX
Complaint sub-issue: Collected or attempted to collect exempt funds

A debt collector by the name of XXXX XXXX XXXX submitted a Garnishment Order in the state of XXXX to my place of employment using the company ADP Inc . I am a consumer in the state of XXXX My wages are earned in the state of XXXX ADP has sent a email stating the garnishment order is valid from the state of XXXX.

The state of XXXX also does not have any jurisdiction in the state of XXXX.

Pursuant the XXXX  Constitution Article 16. Section 28. GARNISHMENT OF WAGES. No current wages for personal service shall ever be subject to garnishment, except for the enforcement of court-ordered child support payments or spousal maintenance.

I have contacted ADP at XXXX and was advised that the garnishment is valid. ADP advised that they will not stop the garnishment. ADP advised that only the attorney from the XXXX  court order can stop the garnishment.

This is a violation of my consumer rights and XXXX state laws.

I did not give ADP ANY permission to collect ANY debt from my wages. 

An FTC Complaint has been submitted as well as a XXXX Attorney general complaint.
Complaint sub-issue: Account information incorrect

I have a hard inquiry that is listed on my report. I have called Equifax to have it removed because I do not have an open account with the company. They stated that I needed a FTC report. I do not have an account with the creditor, I have not initiated, authorized, or gave permission on any transaction with listed consumers. 

I have requested that the inquiry be removed. When I spoke to Equifax they told me the do not abide by the the laws but go by their policy to have a report. I told them that I could not file a police report, as there is not active account open, I have not lost any money or no accounts have been obtained. 



I advised they are in violation of Fair Credit Reporting Act 15 U.S.C. 1681b. A person should not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized. 



It requires that consumer reporting agencies adopt and implement reasonable procedures for ensuring that credit information about a consumer was collected, maintained, and dispensed in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. 



Equifax told me they did not care about the law and to file a complaint with FTC. I told them that I was aware In XX/XX/XXXX, Equifax settled a lawsuit stemming from its XXXX data breach, which exposed the personal information of 147 million people. Under the settlement with the FTC, CFPB and state attorneys general, Equifax has agreed to spend up to {$420.00} XXXX to help people affected by the data breach. 



If my information has been breached by their company they should abide by my rights as a consumer to remove the incorrect information. 

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.15 U.S. Code 1681 I can seek damages from a business that violates my rights under the FCRA XXXX They told me they did not care and hung up the phone.
Complaint sub-issue: Cashing a check

I wrote a check out to myself for {$8600.00} from my citibank account and after the funds were removed from my account. However on XX/XX/XXXX, I was made aware that the check had been returned for insufficient funds despite the funds being withdrawn from my account already, but the funds were never deposited back into my account once it was returned. Since then I have been calling the bank hoping for them to resolve the issue. On XX/XX/XXXX, a representative told me that the process would take 5-7 Business days. Despite my calling every day to check up on my request and being assured that it was being handled and would take 5-7 days as had been told to me previously, when the day arrived that the 7 days were up, I was told that the request had never actually been submitted so there was no pending request from my account and that they had proceeded to place the request on that day so now it would take 5-7 business days to process my request. Today XXXX XX/XX/20 XXXX is the 6th business day of that period and still I have not received the check back and after speaking to an in-branch representative, I was told that there was nothing that could be done to help me. Can anyone help me please?
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom This May Concern, I contacted XXXX, XXXX, and Equifax months ago as well as again on XX/XX/XXXX. In my complaint, I explicitly listed under the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature of the accounts listed below. 

The accounts listed were : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card The response I received back was, " We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow up with you within sixty 60 days from the date you submitted your request. '' This is unlawful as dictated by the Fair Credit Reporting act. CRA 's only have 30 days to validate and are required to remove the information listed on the report unless it has been lawfully validated. Through the PHYSICAL verification of the original signed consumer contract with MY signature of the account. 

So far, no signature has been produced, and my attorney is now pushing me to seek penal damages since my very first request was completely ignored. I'm livid that you would treat me as a consumer unfairly. I'm livid that you willfully violate the law every day when you " verify '' information. Despite the numerous whistle-blowers that have come forward to discuss how you " verify '' information, you continue your practice of unlawful verification. As my attorney has advised, there is no reason to open a dispute for debt validation. You are supposed to speak to the creditor directly to request my agreement and verify my signature. Opening the dispute process navigates your fraudulent means of verification, but your digital verification system does not satisfy requirements under Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ).

Furthermore, please note that I have opted out in writing to your forced arbitration terms.

I have proof that you have violated my rights, as noted under FCRA. I'm giving one final chance to sort this matter out before turning it over to my attorney. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following account in dispute is listed below XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete Telephone numbers that do not belong to me : 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: Need information about my balance/terms

My Dept of Ed loans were being serviced by XXXX, when I submitted a Public Service Loan Forgiveness affidavit of public service activity that I wanted credited toward my XXXX months of payments. This was received around XX/XX/2016. I was then notified sometime around XX/XX/2016 that my loan was being transferred to PHEAA ( or Fedloan ) for servicing due to my qualification for the PSLF program. This was at the same time that I had turned in a renewed IBR plan request to XXXX ( in XX/XX/2016 ). XXXX notified me that my IBR plan request had been accepted and that I would " soon '' learn what my new payment was to be. However, they transferred my Department of Ed loans without telling me what my new payment would be. My loans disappeared from the XXXX online system and XXXX customer service was unable to tell me what the payment would be. I created a Fedloan account but the online account contained no information about my loans from XXXX through XXXX. I called Fedloan to inquire as to when my payment would be due and what it would be, and the customer service agent told me that the loan transfer was " in process '' and she could not tell me what my loan amount was or when it was due, and that I would be notified when the loan transfer was complete. I repeatedly logged in to my Fedloan account and found it empty with no payment listed as due and no loan information, until one day I logged in and it showed my loans with the new payment information and told me that I had a payment that was past due and " delinquent. '' I was never notified of the loan payment due date or amount. I had my loans on autopay with navient and was never late for a payment, but this information did not appear to transfer with my loan. Fedloan did not attempt in any way to contact me to tell me I had a payment due, in spite of me being extremely proactive in trying to pay my loan on time. It appears to me that information about when my loan payment would be due and how much was deliberately withheld from me in order to make me late for this payment. It appears to me that there is a systematic issue with loan transfers that obfuscated basic information from me that was necessary to make on time payments. Had I not been proactive, who knows how long fedloan would have sat on my " delinquent '' loan without contacting me. I gave them my email, phone, address and called them and logged on repeatedly in an attempt to know the basic information about my loan, which they withheld from me until after the payment appeared to be due.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX All these accounts above have violated my rights. 

15 U.S. Code 1681 section 602 A. states that I have a right to privacy.

15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

I received a credit report from Equifax dated XX/XX/2019. The report contained incorrect personal information and two fraudulent accounts. I opened a dispute on XX/XX/XXXX. On XX/XX/XXXX, Equifax confirmed that they had removed all of the incorrect personal information from my report. 

Then, on XX/XX/XXXX, Equifax informed me that one of the fraudulent accounts was no longer on my report and claimed the other ( an account with XXXX XXXX Delaware ) was not fraudulent. This XXXX XXXX Delaware is indeed fraudulent, though. In fact, the two other credit bureausXXXX   and XXXXhave removed this account from my reports at earlier dates. Equifax must do a better job researching and resolving disputes. Their current process is not thorough or helpful.
Complaint sub-issue: Received bad information about your loan

I had XXXX under my school loans and before XXXX was XXXX XXXX which goes back to year 2013. XXXX is currently being sued because of there conduct of how they handled there school loans.I have two school loans with them and currently they switched to XXXX. Im  XXXX and sent my paperwork showing my full XXXX and Navient thru me under the bus and couldnt help me dismiss my loans. I had the run around and XXXX kept switching me from forbearance to income driven with my account where I should be under XXXX percent XXXX with all the paperwork that was sent to them from my doctor and myself. XXXX never got my records straight and kept charging me interest throw out the years from 2013 till today. I want my school loans dismissed due to XXXX messing up and me being XXXX. If I have to get my own attorney, I will. I hope you can assist in getting my two loans dismissed. XXXX caused a real mess with my accounts. Please call me, XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

Nelnet purchase my Loan from another company. When a company purchases a loan they are required to very that ALL details of the loan are valid. Nelnet did not validate the debt before purchase and violated FDCPA guidelines. Nelnet has been asked in CFPB complaints to verify debt by asking about the lack of reported information to CRA 's. Nelnet has never responded with verification of Debt following those allegations. Under 1692g ( b ), if a consumer notifies the debt collector in writing within thirty days of receiving the 1692g ( a ) notice that he disputes the debt or any portion of it, the debt collector must stop collecting the debt, or the disputed portion of the debt, and obtain verification of it and mail that verification to the consumer. This information has never been obtained from Nelnet. Nelnet has engaged in False or misleading representations, Other prohibited unfair practices as Debt collection agencies may not : collect an amount greater than what you owe. If they do not have validation of the debt and have not provided that it stands that the amount due can not be known. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, -- - XXXX XXXX -- - ( XXXX Cir. 2014 ), 2014 WL XXXX ( XXXX Cir. XXXX 2014 ), XXXX XXXX XXXX. XXXX XXXX, the Sixth Circuit expanded the requirement for how a debt collector must respond to a debtors request for verification of a debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( FDCPA )
Complaint sub-issue: Information belongs to someone else

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTIONXXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX  Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX XXXX VIA XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX VIA XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX LOANS Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the  Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$620.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and has a {$0.00} balance due. Reporting this account as a collection/charge-off is seriously harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

I have disputed these accounts from XXXX/XXXX several times on my credit report, it just says : disputed by consumer. 1. I wasn't even in the US when these accounts were opened. 2. I don't know what this company is, I have never heard of it and I certainly never opened any accounts with them. This is completely ridiculous.
Complaint sub-issue: Changes in terms mid-deal or after closing

Notice, it is a fact, affiant is aware, CARVANA falls under both defintions of seller and creditor as evidence in subsections 16 C.F.R. 433.1 ( j ) and 16 C.F.R. 433.1 ( c ) Notice, CARVANA is in violation of 15 usc 1662 ( 1 ) which prohibits the need for a specific downpayment amount in order to obtain an extension of consumer credit. 

Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by CARVANA, violating 15 U.S.Code 1691 ( a ) ( 3 ) -- ( under title 1602 ( f ) credit is the right granted ) ( The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ) The instrument constitutes payment and CARVANA has opted to deny my rights to obtain credit without requiring a downpayment. 

Please be on the look out for mail with full list of offenses documented throughout the transaction.
Complaint sub-issue: Information belongs to someone else

On XXXX an account with First Progress was open this account is not mines. This company add derogatory marks on my credit report that is inaccurate. further doing my own research I found out on XXXX  that my credit score with down XXXX points cause of this inaccurate reporting. Also, I would there is No contract, or signature, or written communication between me and this company that states this deibt is mines. According to the FCRA ( First Progress ) have violated my rights as a consumer and I'm requesting legal action to remove this account from my credit report
Complaint sub-issue: Reporting company used your report improperly

Citi Bank has failed to give me the requested physical proof that the account showing on my credit report is verified and belongs to me. This is a violation of 15 USC 1681g ( c ) ( 2 ) ( E ). This is a {$1000.00} violation Citi Bank has included transactions on my credit report, which is a ( d ) ( 2 ) ( A ) ( i ). This is a {$1000.00} violation. 

Citi Bank has has furnished my report not in accordance to my written instructions. This is a violation of 15 USC 1681b. This is a {$1000.00} violation Citi has failed to send me any periodic statements for the alleged account belonging to me, which is a violation of 12 CFR 226.7 requires that a creditor to furnish the consumer with periodic statements. I did not receive a statement in XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, nor XX/XX/2022. This is a {$1000.00} violation per occurrence. 

I sent a letter to Citi Bank on XX/XX/2022. I followed up by contacting. Citi Bank about my concerns in which the agent refused to address my concerns unless I made a payment. I also sent Citi bank a letter on XX/XX/2022 and did not receive any remedy to my concerns and rights being violated.
Complaint sub-issue: Company closed your account

Not only did it take months for them to correct a clear dispute for over {$1000.00} they were advised card was lost stolen and account compromised never had any issues they closed the account despite having been provided with bank memo reps stated this was being corrected And reopened yet it has not been as of yet