Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

Credit reports are showing blank when lenders attempt an inquiry. 

I am a military veteran returning home after my final tour overseas. Despite having fair credit, no debt and outstanding debt-to-income ratios, applications have been rejected for VA home loan pre-approval because lenders only see a blank credit report ( XX/XX/2019, XX/XX/2019 and XX/XX/2019 ). I can only assume that there is a " lock '' or " freeze '' on my accounts ( which I have NEVER requested ), as numerous attempts to contact Equifax, XXXX and XXXX via their on-line and telephone contacts have only resulted in requests to physically mail copies of my personally-identifiable information. 

On or about XX/XX/2019, I mailed copies of the requested identifiers to these three companies along with a hand-written note requesting the REMOVAL of any and all credit locks, freezes, fraud-alerts or holds that may be affecting these lenders ability to view my lengthy credit history, which resulted in two post-card responses from XXXX   and XXXX requesting that I physically mail certain identifiers to communicate with them. Now, my credit report shows the " requested '' fraud-alert and security freeze that XXXX NEVER requested from XXXX and Equifax ( XXXX 's note area show no remarks ).

This entire charade is made even more difficult because as an over-seas returnee, all of my household goods ( printed records ) are boxed up and awaiting a residence to be delivered to, and my DoD-mandated overseas banking institution has deleted my account as required ( digital records ), so I can not easily prove any payment history to anyone. I am now homeless with my wife and XXXX XXXX children, despite having a military retirement pension and a good paying job. Thankfully, my elderly father has allowed us to stay with him. 

Please assist in " penetrating the bureaucracy '' with these megalith corporations which make contact a federal affair. 

Thank you, XXXX XXXXXXXX XXXX, XXXX ( XXXX. )
Complaint sub-issue: Information belongs to someone else

I have a couple files along with incorrect names and address that are reporting on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX there is no amount that show. however it does not or ever belong to me, and reference to my affidavit the was signed and notarized and sent to the company for Validation of debt along with he affidavit. Which was not answering in proper form, and not answered to at all. would demand for deletion and removal for fraudulent reporting along with not properly notifying my request foXXXX Method of Verification Request from the CRA. 
XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$330.00} this is a Fraudulent reporting account that need to be removed
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


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 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Account Number 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 a account without my written instructions.
Complaint sub-issue: Attempted to collect wrong amount

This debt is not mine and they continuously say they have a contract from me that I never saw nor signed. I chatted with a representative in the online chat system that they offer and she provided me with false addresses stating they were on the application then I received documents in the mail with a very different address on it. None of the credit bureaus they have on reported to have a po box reporting for me as an address I used before so the fact that they are harassing me for this is ridiculous and my credit is the one thats plummeting.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not authorized This company to run or check my credit there is no prove signed or verbally to confirm my concern. Unprofessional costumer service rude and XXXX. They not try to resolve my problem but they answer back with attitude. All the conversation I have with there costumer service is voice recorded and will be upload and everybody will know with what kind of company deal with. They respond that they are 3rd party company and they run the credits behalf some other companies such I don't have no idea what they are and why they looking on my personal info and when you contact them after they broke down your credit they offer you service to repair and ask for a money to remove inquires this is a rip of.
Complaint sub-issue: Account information incorrect

This account is not mine, some used my information without my knowledge to initiate this account. I have applied for credit and employment and have been denied due to this fraudulent account. I have tried to work with each bureau to resolve this issue to no avail, limited correspondence and not in a timely manner.
Complaint sub-issue: Reporting company used your report improperly

Although the reporting is current and positive, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have never given any credit bureau or consumer reporting agency my written permission to report to them. 

I sent out letters back in XXXX to Equifax, XXXX XXXX XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I just found out a Company by the name of ERC charged my credit card {$320.00} on XX/XX/19. On XX/XX/19 was the first time I was informed of this charge. I never heard of this company nor have I given out my credit card number to anyone from this company. I could not get any of the company 's representative to tell me what I was charged for, nor would they tell me how the they got my credit card information. This is a fraudulent action by this company. I am not alone with this complaint from ERC ( Enhanced Recovery Company , LLC ) There are numerous complaints filed on Yelp by other consumers. I did call my credit card company and disputed the charge. Some time ago, I recall getting missed calls messages telling me I was going to Jail and the Federal government was in the process of having me put in jail. I am federal worker, I am still employed as a federal employee and as of XX/XX/19 I remain not incarcerated. It just seem suspicious that My credit card was hacked and this company was able to file for funds from my credit card.
Complaint sub-issue: Trouble with how payments are being handled

Nelnet gave me the wrong payoff information for my student loan. The loan was overpaid by {$250.00}. They show that my loan was {$6600.00} and that I paid {$6900.00} and that gave me a {$0.00} balance. The payment cleared the bank. I called and they at first said I had a XXXX balance and that it wasn't overpaid. Then after being on hold for 45 minutes they finally decided they did owe me the difference and would send it out within 10-12 days. That did not happen. After the second phone call and being put on hold for 30 minutes they determined it would take 2-4 weeks to refund my overpayment. Now after the 3rd phone call and being on hold for 45 minutes I am being told it will take 6-8 weeks for a refund. I think this  is standard procedure hoping people will get tired and give up. The entire 10 years I have had this loan they have misapplied my payments and refused to correct any errors on their part. I have asked for an audit of my account multiple times and to date of never received it. Complete crooks!!!
Complaint sub-issue: Card opened as result of identity theft or fraud

A credit card was opened in my name without my knowledge. These charges do not belong to me.
Complaint sub-issue: Was not notified of investigation status or results

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Items were illegally ran on my credit. Not giving consent to do so by me.! XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

There are unauthorized businesses on my credit report.
Complaint sub-issue: Account status incorrect

I want the " late payment '' changed to " current '' on all credit bureaus. This is what happened : After speaking with a representative of XXXX XXXX, XXXX XXXX, on XX/XX/2018, she sent me the wrong payment contract ( see attached ). A week later, another representative called to inform me that XXXX XXXX sent the wrong contract. I reviewed, signed and sent back the corrected contract ; however, it was too late because XXXX XXXX had already reported to the credit bureaus that my accont was late ( XX/XX/2018 ). I was devastated as I worked very hard to bring my score up to XXXX over the past year and a half. 

I contacted the company to correct a " late payment '' to " current '' after having a conversation with VP of Center Manager, XXXX XXXX. He informed me that this issue would be corrected. It was corrected within the company ; but, not with the credit bureaus. It is reporting as " late payment '' on my credit report and caused by score to decline from XXXX to XXXX ( XXXX ) ; XXXX to XXXX ( XXXX ) and XXXX to XXXX ( XXXX ). As you can see, this late payment has seriously harmed my credit score due to an error on their part. 

I sent a certified letter to XXXX XXXX explaining above and they still refuse to correct this issue.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: 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 XXXX XXXX XXXX XXXX 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 a account without my written instructions
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
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 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: Didn't receive terms that were advertised

During application to citi credit card I was promoted for citi checking account. The term of the offer was the following : " Citi is offering a bonus of up to {$1500.00} when you open a new checking account in the basic account package. The bonus is tiered depending on how much you deposit within 30 days of account opening, this amount also must be maintained for 60 days. 
Deposit {$2500.00} & get a {$100.00} bonus Deposit {$5000.00} & get a {$200.00} bonus Deposit {$15000.00} & get a {$400.00} bonus Deposit {$50000.00} & get a {$700.00} bonus Deposit {$200000.00} & get a {$1500.00} bonus " see attachment for details. 
I met the requirements but I did not receive the promo bonus
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX Inquiry Date : XX/XX/XXXX XXXX inquiry date : XX/XX/XXXX, XXXX XXXX, XXXX XXXX 2inquires different dates ) XXXX XXXX XXXX inquiry date : XX/XX/XXXX XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020 XXXX XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020
Complaint sub-issue: Debt is not yours

Company, Republic Finance, h as  left 7 voice mai ls on my cell phone since  XX/XX/2017   .     Calls have originated from several different  # s, s ome from the 'call-back ' number left in the message, others from a number where the  last two digits may dif fer from the call-back number,  XXXX  They are looking for someone named "  XXXX  '' ( spelling is a guess, being pronounced as sounding like   XXXX   XXXX  .     There is no one at that name here. I do not know anyone by that name, and have had this phone #,  XXXX , for over 10 years.