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

Great Lakes has repeatedly Breach my Privacy by sharing my personal identifiable information with non-affiliated 3rd parties including the Credit reporting Agencies. I 've sent certified mail on 2 separate occasions dating XX/XX/XXXX and most recent XX/XX/XXXX opting out revoking my consent of this sharing since i never received anything from them. I 've sent Great Lakes these letters opting out of these sharing practices and yet I have n't received a respond from them. I 've called Great Lakes repeatedly trying to get answers. Great Lakes is simply a loan servicer for the Department of Education simply a debt collector. I 've included an attached these documents showing my communication with Great Lakes. I have yet to received a response. Great Lakes has yet to respond to sharing my personal identifiable information with non-affiliated 3rd parties including the Credit reporting Agencies. According to the GLBA Gramm Leach Bliley Act this is a clear violation and Breach of Privacy. I did not give my permission for this The Department of Education nor this DEBT COLLECTOR to publicly furnish nor provide my personal identifiable to any 3rd parties including Great Lakes nor the Credit reporting agencies.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX , There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Complaint sub-issue: Problem getting your free annual credit report

I have been trying to get copies of my detailed credit report and score from XXXX, Equifax, and XXXX since last year, but neither one of them was willing to send an actual report out to me. I even completed the standard free credit report request form for all three bureaus even though I was entitled to additional copies of my report since I'm in the middle of a credit crisis, but none of them sent me a report. This is unacceptable. I need a current copy of my detailed credit report and credit score from all three bureaus immediately.
Complaint sub-issue: Information belongs to someone else

I have not consented to a contract, so there can not be an existing Judicial contract for child support. There is a separation of powers issue along with a number of FCRA and due process issues that are routinely as a matter of habit violation. How can one be court ordered lawfully to be coerced into participating in an executive branch program through the judiciary. You just can't. FCRA 622 reads : Notwithstanding any other provision of this title, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 604 [ 1681 b ] of this title any information on the failure of the consumer to pay overdue support which is provided ( B ) to the consumer reporting agency and verified by any local, state, or Federal government agency.
Complaint sub-issue: Information belongs to someone else

Ive contacted Equifax over the past 2 years complaining about this wrong information that is reporting on my credit report. 

name XXXX XXXX address XXXX XXXX XXXX tn XXXX XXXX XXXX XXXX il XXXX accounts XXXX XXXX Hard Inquiries XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX
Complaint sub-issue: Collected or attempted to collect exempt funds

I hired XXXX XXXX XXXX last year to help consolidate and pay off credit card debt especially my Discover account which had a big balance. As the months went by they were never paying Discover. At the end of XXXX last year my checking account had a levy put on it and all my money was taken in a garnishment. This was the day before rent was due in a new apt . I was left with nothing to pay rent or anything for food and to survive. An attorney 's office working with Discover did this for non payment. After going back and forth with Discover and XXXX XXXX XXXX. Discover stated they would have taken {$250.00} a month towards my debt and XXXX said that Discover would never negotiate so they made no payment and yet I was paying XXXX {$440.00} a month. That weekend I starved and was worried I would be kicked out of my apt . which had just happened to me because the place I had rented for 3 years the landlord died and the family wanted to sell the house and I had to move within 15 days.
Complaint sub-issue: Didn't receive enough information to verify debt

I contacted Macys on XX/XX/XXXX, XXXXby phone and via mail about a account that I was not aware of being a authorized user on and asked them to remove this account from my credit profile. I stated to them according to the FCRA section 601 I cant be held liable for a debt as a authorized user the representive stated that I would be removed and would receive this in writing. I have not heard from Macys at all I also sent out a letter asking for this item to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I've requested Equifax to DELETE XXXX off my credit repot NUMEROUS times. 

Equifax failed to delete XXXX & Update my last name to XXXX as requested.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to get the released tax lien from 2001 Outdated information. I 've written letter after letter. HELP I 'm trying to buy my family a home!
Complaint sub-issue: Reporting company used your report improperly

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Understand that youre under penalty of perjury also. Discover Financial Services violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Complaint sub-issue: Attempted to collect wrong amount

Wrongfully charged early termination fee on a illegally leased property. I was not informed by the realty company but by a notice taped to my door, also the city inspector.
Complaint sub-issue: Information is missing that should be on the report

I have already sent a copy of the letter I received from XXXX XXXX requesting the credit bureaus to re-add the tradeline that was mistakenly removed, back to my credit report. It still has not been updated. The credit bureaus take no delay in reporting incorrect or damaging information to a consumers report, but takes all the time in the world to fix a problem or update positive information to a consumers report. Please be advised : According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX 2017. 

I have attached paperwork proving that the account should be reported under my social security number for your review. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.
Complaint sub-issue: Debt was result of identity theft

Hunter Warfield INC added a collection to my credit report that is not mine. They have been asked to verify ownership and can not or will not.
Complaint sub-issue: Problem with fees

Citi best buy : states that I signed up for " debt protection '' I called to cancel said feature and asked to be sent a copy of me signing up for said feature and got a response that they were unable to provide a copy of my agreement because of the age of my account opened since 2011. But according to their " records '' I did sign up for debt protection. So they granted no refund of any kind for the fee paid monthly which equates to {$30.00} dollars per month since 2011
Complaint sub-issue: Account status incorrect

This account has been paid since XXXX and they are still reporting that I owe and its past due. Which it is paid in full.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint request. 

An identity theft report was filed with the Federal Trade Commission.
Complaint sub-issue: Problem lowering your monthly payments

I called Nelnet because I 've been paying on the loan for 3 years it seems like the payment is n't going down at all so I asked how do I fix it. I spoke to someone they told me to pay more on the account and I am but I still do not see much progress. I dispute it ( XXXX XXXX ) because I do not think the information is correct and now I put my account in an deferment status. I 've also asked if they had a program if it was paid in full will there be some discount I was told no settlements are allowed.
Complaint sub-issue: Other problem getting your report or credit score

At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I recently filed a an identity theft report after realizing my identity had been compromised and submitted it to all three credit bureaus ( XXXX, XXXX, an XXXX. I have also reached out to collection agencies who have appeared to have ownership of the debt. For some reason this account is still displaying on my credit file and it should not be due to it being established through fraud or identity theft. It seems both the bureaus and collection agencies are violating the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are XXXX XXXX Acct XXXX  Bal {$400.00}, ICS  # XXXX Bal {$130.00}, XXXX XXXX # XXXX Bal {$440.00}, and XXXX XXXX {$150.00}. These accounts are all associated with identity fraud I have submitted supporting documentation for the 2nd time to the three major consumer reporting agencies to support my claim.
Complaint sub-issue: Reporting company used your report improperly

These companies have violated 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes on your behalf and should remove these items immediately. You have also failed to recognize that only I, the original creditor, can verify. This is an incorrect use of my credit report because this should be excluded from my report. They have also violated 15 USC 1681 ( a ) ( 3 ) under the exclusion section by including medical information on my credit report. Please resolve this matter quickly. I have been denied places to lay my head, obtain transportation, and even financial support. Thank you for your help in this.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C. 1681 section 602 A. State 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 instruction.
Complaint sub-issue: Delay in processing application

On XX/XX/2022 I called Citibank to report a fraudulent charge, after which they advised that this charge was happening every month since XXXX so they recommended I cancel my debit card and get a new one. Since this was a Friday I was concerned I wouldn't have access to money the whole weekend but the representative assured me it would be " over-nighted ''. I never received it on Saturday so I called Citi on Sunday, I had to call 3 times before anyone on the other end would respond, it was just silence once I started talking. On the 4th attempt I was told the card was delivered ( lie # 2 ). I then called a 5th time and was told it takes 1-2 biz days so I was lied ( lie # 1 ) to when I was told I would have it over-nighted. On Monday, XX/XX/XXXX, I still didn't receive the card so I called and was told since I didn't receive it I would have to order another card and was told yet again, it would be over-nighted ( lie # 3 ). All this time, I have no access to money and can't do any banking online as access is restricted since I don't have a new debit card. When the 2nd card was ordered, I requested a tracking # so I don't have to keep calling Citi but I never received the tracking. I then called again this morning ( Tues ) to find out when my card would be arriving. The 1st rep left me on hold for 30 minutes so I called back again and asked for a supervisor, she said the card takes 1-2 biz days so once again, I was given misinformation on Monday by being told it would be over-nighted. Now I am demanding a tracking # and was sitting on the phone for another 30 min while the supervisor is trying to get the tracking #. So she insisted she would call me back with the info and I said, I don't trust you will but being I am at work I couldn't hold any longer. She never called me back and I still don't have a debit card or tracking number. Citibank is absolutely horrible, negligent and unprofessional giving all kinds of misinformation. I detest banking with them and I will most certainly be switching banks.
Complaint sub-issue: Investigation took more than 30 days

XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY I disputed the referenced account above on XX/XX/2021. The credit report of XX/XX/2021 and your report # shows results that these items were deleted from the credit file. Now I notice these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I applied for and granted a {$150.00} loan from Moneytree, inc, XXXX , Washington , with a repayment of {$170.00}. The funds were picked up on XX/XX/XXXX, and had a payback date of XX/XX/XXXX. On XX/XX/XXXX my Husband made an on line payment to my account of {$170.00}. On XX/XX/XXXX a payment of {$170.00} was made from our checking account, XXXX XXXX XXXX XXXX XXXX to Moneytree, inc to repay the loan in full. The money was " NOT '' returned, our account only shows a withdrawal from our account by Moneytree, inc. On XXXX/XXXX/XXXX Moneytree took the payment again from my checking account making a total payment of {$340.00} for a {$150.00} loan. Repeated contact with Moneytree, inc via email, FAX, and a visit to the local Moneytree location in XXXX has resulted in receiving no help. I have received an email from Moneytree, inc stating that " maybe '' the money was credited to another account. Since Moneytree can not tell me where the extra money went I am filling a complaint with the Consumer Financial Protection Bureau, and the Federal Trade Commission in a effort to resolve this issue. I can provide copies of my bank statements showing the XXXX withdrawals for {$170.00}. This makes a total payment of {$340.00} for a {$150.00} loan.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. My consumer rights state that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. 


1. XXXX XXXX XXXX Account Number : XXXX* 2. US DEPT ED Account Number : XXXX* 3. DEPTEDXXXX Account XXXX : XXXX 4. US DEPT ED Account Number : XXXX 5. DEPTEDXXXX Account Number : XXXX 6. US DEPT ED Account Number : XXXX 7. DEPTEDXXXX Account Number : XXXX 8. US DEPT ED Account Number : XXXX 9. US DEPT ED Account Number : XXXX 10. DEPTEDXXXX Account Number : XXXX 11. DEPTEDXXXX Account Number : XXXX 12. US DEPT ED Account Number : XXXX 13. DEPTEDXXXX Account Number : XXXX 14. US DEPT ED Account Number : XXXX 15. DEPTEDXXXX Account Number : XXXX I respectfully request to be provided proof of these alleged items specifically the contract, note or other instrument bearing my signature. 

Failing to do so, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and since this represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX XXXX and I am personally sending this request of re-investigation of my accounts. I have no connection to any credit monitoring companies nor any third party is involved in this process. 
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXX Balance {$5200.00} XXXX XXXX XXXX XXXX XXXX Balance {$42000.00} XXXX XXXX XXXX XXXX Balance {$4300.00} XXXX XXXX XXXX XXXX Balance {$3100.00} XXXX XXXX Balance {$800.00}