Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

After reviewing my credit report I noticed that my upgrade account has incorrect balances as well as the balances are in consistent on all 3 reporting agencies. that does not seem right to have 3 different balances for this account on all 3 reporting agencies. It should be the same for all 3 reporting agencies. I have spoken to upgrade to re submit the correct balances which they assured me they would do when I spoke with them on XXXX/XXXX/20. I have submitted multiple disputes to the reporting agencies to correct my balances but nothing as been corrected yet.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and US Bank unlawfully pulled my credit report, unlawfully opened fraudulent account in my name even though they sent a letter stating the had NOT opened the account all despite the fact I have credit freezes on my credit report. I want the inquiry on my credit removed and the fraudulent bank account closed. Identity theft report attached.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are incorrectly reporting the XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and should have been deleted from my credit report. I have contacted the ( 3 ) bureaus however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

No legal binding accounts with this company
Complaint sub-issue: Debt was result of identity theft

I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying XXXX XXXX XXXX of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however XXXX is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. 

XXXX has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
Complaint sub-issue: Reporting company used your report improperly

In accordance to the fair credit act XXXX  account XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX 15 u s c 1681 section 602 a states I have the rights 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 instruction Account XXXX Also XXXX Ac=account number Sc=sort code
Complaint sub-issue: Funds not received from closed account

Dear XXXX, XXXX XXXX : My account shows " XXXX '' balance. 
I started calling customer service center many times. They said they can't explain. 

XX/XX/XXXX Visit branch office. They said I have to wait for 2 weeks. 

XX/XX/XXXX Branch office called me and ask to close my account XX/XX/XXXX : PNC charge me total of {$400.00} for closing fee. 
XX/XX/XXXX : File complaint for why they charge {$400.00} and why they never notified me? 
XX/XX/XXXX File complaint again. 
XX/XX/XXXX Case manager told me I have to ask branch office for refund and do not contact them any more. 
XX/XX/XXXX : Verified with XXXX branch officer XXXX XXXX XXXX for refund, and she said it ss " very unprofessional and they have no authority ''. 

XX/XX/XXXX : PNC offered me {$84.00} for return. and I said " NO '. 

I should not charged for service which I never used. 
Hope there will be no more innocent victim like me. 

Thanks for your kind support and helping. I can send all documents to your office upon request. 

All the best. 
XXXX XXXX ( XXXX ) XXXX XXXX
Complaint sub-issue: Information belongs to someone else

At the end of XXXX, I called Equifax. My name is XXXX XXXX. They have me linked to someone else named XXXX XXXX. I just opened my own bank account and am XXXX years old, but there are hard inquiries I've never made linked to my credit report under XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I applied for a credit builder loan from MoneyLion. On their website it states that no credit is required and this will not affect your credit however it resulted in a hard inquiry which lowered my score. I took a screen shot of their website as proof. I just want the inquiry removed.
Complaint sub-issue: Investigation took more than 30 days

I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. I have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. 

Also Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that they remove the following accounts and send me my updated consumer report. i am ready for court.
Complaint sub-issue: Reporting company used your report improperly

Recently i received a copy of my Equifax credit report and noticed multiple inquires unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for Equifax or any one else to run my credit, i did not apply for loans or any credit cards. Equifax gave credit card companies access to my credit report without my person. I dispute this several times in the few months, i would get an instant result saying the dispute has been resolved, but when i access my credit file nothing has been done.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I routinely check my credit report for updates and inaccuracies. I checked my report during the week of XX/XX/XXXX after receiving an email alert from a credit reporting agency that my score had changed. I logged in and determined that both XXXX  and XXXX had derogatory remarks on my account from a collections agency called ATG, which caused an almost 20 point drop in my credit score. I have never heard of ATG before seeing their name on my credit report nor have I ever received any correspondence or communication of any form from them. I had NO notice of any debt owed and I have no idea what this pertains to. 

I am unclear what the claimed amount owed is. Per the credit report it says balance {$4200.00} and highest balance {$2700.00}, which makes no sense to me. It also says that it was opened in XX/XX/XXXX. However, I usually check my credit at least once a month and receive regular email notifications of changes to my score and last week was the first time this appeared on my credit report. Again, between last XXXX and now, I had no communications from ATG regarding a debt owed. Reporting the alleged debt to the credit reporting agencies and significantly damaging my credit was the first notification.
Complaint sub-issue: Problem with statement of dispute

In a follow up to Case number : XXXX, no communication my request to verify this debt has been provided, from my originally request sentXXXX/XXXX/15 to the creditor requesting funds. As it has been past 90 days, how was Equifax provided proof and nothing sent to me, plus by law the lender asking for payment has 30 days to provide the requester with proof this is their debt. As there has been no communication from the lender to me, please have this matter resolved ASAP and removed from my credit report with all XXXX major bureaus. If Equifax has proof, please send all documentation to me.
Complaint sub-issue: Can't use card to make purchases

I had an perfect account with Discover meaning all payments was made on time and usually a payment ahead of time. I had the card since XX/XX/XXXXhad a credit balance of XXXX and only used about XXXX XXXX on the card. in XX/XX/XXXXthey sent a letter saying I can get a consolidation loan to pay off any high interest credit cards. I applied for XXXX XXXX and was told to send proof of income which I am retired so I sent all income I receive from social security also including any other income that's not taxable and I got instant approved and I had 3 cards that was paid off. The very next week I get a call from discover telling me not to use my credit card because they have been frozen and that I need to complete a tax form from the IRS for the past 2 years. I told the representative I been disable since XX/XX/XXXX and won't have filed taxes since XX/XX/XXXX. I also shared with the rep that I had sent in forms from social security as well as a bank statements which I think is personal.and I shared too much personal information already. I went online and signed the tax form to the IRS. I get an email a week or so after asking me to call them and I called them on XX/XX/XXXX and was told my account will be closed because they are unable to verify my address through the IRS because I haven't file taxes in the past 2 years. I told the rep I told them that before and im sure most people that receive social security don't file taxes but we pay our bills. The rep response was that is how they verify addresses. I told her then that's discrimination on anyone that's disable or retired no matter how high the credit score is or how they are able to pay. The company discover will close out their account because they don't file taxes!
Complaint sub-issue: Information belongs to someone else

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Complaint sub-issue: Application denied

Submitted a pre-approval request XX/XX/XXXX and was advised I would qualify for two different cards and was asked to apply. Completed application on XX/XX/XXXX and was advised I was denied for the card. 

Called and was told the reasoning was due to a prior or current account that was with them that went past due. I had a prior card back in XXXX that was then discharged through a bankruptcy ( Chapter XXXX ). It went past due prior to filing. 

The person advised the reason I was denied and only reason is due to this past due account. I then asked what is their time frame that I would then become eligible to reapply and that this condition would not count against me. I was told I could " apply at any time ''. I advised this doesn't make any sense given I just applied today and was advise I don't qualify due to this issue. 

I asked what is Discover 's policy regarding when someone who had an account that went past due would be eligible for a new account. I was told they don't have a policy and that I should consult a financial adviser. I responded this is not accurate information as a financial adviser would not be able to advise what Discover 's policy is and that this denial is due to their own policy not external. I was never able to get an answer. 

All I simply want to know is what is their policy. Its pointless for me to keep reapplying for a credit card with them and having a hard hit against my credit if I'm just going to get denied for an old account that was legally discharged. Its also very poor that someone would just tell you to keep reapplying without a consideration to the fact this hurts your credit with a hard inquiry or be able to provide a time line. Its rather insulting to be told there isn't a time frame when if I'm being denied because of this, it would logically mean there is one. Also if this is the ONLY REASON for denial as stated per the rep, it would typically mean there is a POLICY in place about this. As a consumer you should be able to be informed when asking about what the policy is in order to make decisions regarding your time and credit.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are incorrectly reporting a balance due on the XXXX XXXX partial account numbers XXXX and XXXX. This account is over 7 years old. This is a violation of the Fair Credit Reporting Act and this incorrect reporting is hurting my credit score.
Complaint sub-issue: Fraudulent loan

XX/XX/2020 XXXX was added to my payment balance. 
XXXX this amount was said to be refunded. 

My total amount due has gone up and not assessments have been made. 

I have not added any private student loans in many years this account was consolidated private student loans. 

I have called the leader to try and get it taken care of they are not working with me. They have not adjusted the amount or tried to assist. 

Someone is scamming me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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: Problem during payment process

We paid {$950.00} on XX/XX/2019 on my bill. Citicard refuses to acknowledge receipt of the monies. I have checked with customer service daily.
Complaint sub-issue: Reporting company used your report improperly

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. It has been over 35 days and I have yet to receive a response. I feel I am not being taken seriously and my complaints are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so this should be rectified promptly. I am asking that these accounts be deleted immediately or I will file for litigation due to the stress they have caused. Furthermore, my information may have been impacted by the Equifax data breach and gotten into the wrong person 's hands.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX Reported : XXXX XXXX, 2021 {$190.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contract exist ... account was settled with original creditor and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Complaint sub-issue: Their investigation did not fix an error on your report

Need these hard inquires to get remove from my credit I didnt give any authorization for not want to run my credit for any inquiries
Complaint sub-issue: Public record

This was a tax lien that was listed for XXXX XXXX XXXX. It was in error so I disputed the record. The XXXX investigated and reported that the lien was " Released '' but it was in-fact expunged as it was filed in error. I checked with the Court and they show it expunged filed in error. I spoke with XXXX and XXXX from XXXX who told me they use a third party vendor who they refused to identify that the vendor verified the information as being accurate. I asked XXXX what happens when the vendor is providing false information? I was transferred to XXXX ID # XXXX who stated that they disputed the information and the courthouse advised them the lien was released and satisfied. I checked with the court who advised anyone checking would be advised it was EXPUNGED and filed in error. XXXX stated they can not advise how the verified the information because it was " internal policy. '' Clearly they are not doing primary source verification which is a violation of all applicable rules.
Complaint sub-issue: Information belongs to someone else

I have several inquiries which i never authorized. I never authorized any hard inquiry since XXXX of last year XXXX. 
I never opened any XXXX XXXX XXXX account and it shows 2 collections on my credit report? I only had discover credit card and XXXX XXXX MasterCard and XXXX XXXX that's it. I am seeing a lot of collections and stuff financed which doesn't belong to me. I am victim of fraud. Someone have been using my identity and opening and financing credit cards without my consent
Complaint sub-issue: Credit inquiries on your report that you don't recognize

An unauthorized hard credit inquiry was made by XXXX on XX/XX/XXXX. The unauthorized hard inquiry is found on Equifax. As soon as I was aware of the unauthorized inquiry, I contacted XXXX via email and notified them. XX/XX/XXXX I received an email from a XXXX agent requesting more information in to the matter. After several emails back and forth with different XXXX agents and after several months later, on XX/XX/XXXX I received an email from a XXXX agent stating a request to mask or remove inquiry was placed on XX/XX/XXXX and it would take up to XX/XX/XXXX for it to be removed. XXXX, XXXX I checked my credit report and observed the inquiry was not removed. I sent another email on XX/XX/XXXX to follow up and received a phone call from one of XXXX agents. I was basically told what I've been hearing for the past year. They are working on removing the unauthorized inquiry. I was never told who conducted the unauthorized hard credit inquiry or what actions were taken to prevent future victims. This type of unauthorized inquiry impacts peoples lives in many ways. I'm hoping CFPB will help me resolve this issue.