Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

A home mortgage company requested a credit report from multiple banks. It was without my knowledge that they would request this from over 15 banks which ultimately had over 15 hard inquiries on my report. I have spoken to XXXX, Equifax and XXXX and all have mentioned that I need to have the bank/company remove this or write a letter acknowledging this. I have had no luck with this route as no company has responded to my claim. 

At this point, I feel if the 3 credit bureaus cant prove that I made these inquiries, they should be removed. This is not fair to the consumer, rather only fair to the large banking institutions.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

General Revenue is the company. My bankruptcy was back in 2010. Since then I get constant calls and mail saying " we're not attempting to collect a debt this is for information purposes only. '' yet they continue although I've asked them many times to stop and returned their mail. The company has changed hands several times but it never changes. They've called me 20 times since XXXX. I've called and asked them to stop bothering me but they do not. They've even sent registered mail- which I decline.
Complaint sub-issue: Information belongs to someone else

There are inaccurate information reporting on my credit file : Incorrect Personal Information : Name : XXXX XXXX XXXXXXXX ( XXXX  ) Name : XXXX XXXX XXXX ( XXXX  ) Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX  XXXX XXXX ( XXXX  & Equifax ) ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX   ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax ) Fraud or Identity Theft Items : XXXX XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$10000.00} ( XXXX  ) XXXX XXXX XXXX - XXXX - Date Open : XX/XX/XXXX ; Bal : {$290.00} ( XXXX  )
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$8000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXXXXXX 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 rights to privacy.

15 U.S.C 1681 section 604 A section 2 ; States a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the XXXX XXXX XXXX is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX Social Security Ending In XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent equifax a letter about mis- reporting accounts on my credit report.Equifax did not provide me with information on how they verified these accounts. I have no record of the above accounts and I am demanding that they disclose all of the documents upon which they are relying on, for the reporting on account ( 1 ) above, collectively referred to as account. In accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records the requested records. The information they are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting.Equifax is in violation of the FCRA because they did not show proof of the alleged accounts.
Complaint sub-issue: Debt is not yours

There was an account that was opened through pro collect from XXXX XXXX XXXX for the amount of XXXX on the date of XX/XX/2014. Pro collect contacted me multiple times about this account and let them know that i do not owe this account. Ive sent paperwork showing i do not owe these amounts i even tried disputing it. And they constantly deny me and never remove it.
Complaint sub-issue: Information is not mine

Equifax is reporting an account that does not belong to me on my credit file. XXXX XXXX XXXX XXXX # XXXX I disputed with them and they are stating that the company validated this debt. This is incorrect the debt does not belong to me. I have disputed this debt with XXXX and they XXXX deleted the debt because the COMPANY NEVER VERIFIED I. Equifax refuses to remove this debt. I 'm asking Equifax to either provide me and the CFPB with the proof that XXXX is validating this debt reporting or DELETE IT FROM MY FILE. this incorrect reporting is damaging to my credit file
Complaint sub-issue: Received bad information about my loan

I have a forbearance from XX/XX/XXXX- XX/XX/XXXX. These accounts are reporting 90 days late on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I have sent several correspondence to each company and as of today no response has been given. Im starting to feel like a number rather than a person. I noticed these inaccurate recently and I researched how to get these removed and in doing so I found my information was compromised in the Equifax data breach. Now more than ever I fear my information has fallen into the wrong hands. Please assist in helping me get through this.
Complaint sub-issue: Attempted to collect wrong amount

I spoke with this company several times in XXXX. There saying that I owe a XXXX XXXX bill for XXXX That is not possible. XXXX will cut your services off if you miss one month. They told me they can only produce the bill from XX/XX/2018 till XX/XX/2018. In which they stated the bill was {$1600.00} when they purchased the account from XXXX. I spoke with someone on XX/XX/XXXX asking for an itemized bill starting from XX/XX/2018. They told me that they don't have it and that I would have to contact XXXX. I contact them and I was told that they don't keep a record that long and that once it is sold to a collection company its out of there system. I then contact the company back and told them what XXXX had said. She told PROMISED me that she would request the information from XXXX and to give her 5 days. I called 10 days later they still haven't got a copy of my bill leading up to these charges and now their telling me to wait 30 more days for something that XXXX can't give them. In the mean time it's hurting my credit. If I owe XXXX money I would pay it. My bill with XXXX was about {$220.00} a month.. so if I add correct I had about 7 months of services and not pay.. that really impossible with XXXX. And to say I owe {$1600.00} is insane there's no way anyone can get services that long without paying. So no one is able to supply with a bill that shows charges leading up to this amount. Honestly I believe that when I moved from the residence XXXX sent me prepaid boxes to send back through usps. I neatly packed everything up and sent it back I had no use for keeping it and it was free to send back in which I took it to my local post office. I am thinking they never credited my account for the equipment I returned. Cause otherwise I don't owe them any money. I hope and pray that you can help me resolve this matter. Thanks. I hope to hear back from you soon.
Complaint sub-issue: Their investigation did not fix an error on your report

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved.
Complaint sub-issue: Debt is not yours

PMAB , LLC has been adding new debt to my credit for over 6 years. They have taken debt off and added new when it has expired over the statue of Limitations. The original debt on the amount of {$780.00} has been disputed and has not been removed -Insurance was sent as proof and nothing has been done about this.

I had insurance to pay for this old ER visit and need this off my credit.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act ( account name and number ) have 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: Credit inquiries on your report that you don't recognize

There were multiple inquires on my credit report that were not authorized by me. I had a Freeze and fraud alert put on my credit report due to identity theft along with a police report and my credit report was still being pulled without my consent. I have contacted all 3 credit bureaus about this matter and not one representative has seem to help me. 

Also I was a victim of the XXXX XXXX computer glitch that resulted in my inquires being deleted and later XXXX XXXX add them back onto my credit report without giving me the legally required written notice of 5 days prior to them re adding them. I contacted them in faith asking them to delete the inquires that they had illegally re-added. 

These unauthorized inquires add a hardship and that my rights were violated by not only TransUnion but as well as XXXX, and Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

The Equifax credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

XXXX XX/XX/XXXXXX/XX/XXXXBalance : XX/XX/XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened a bank account with PNC about a month ago. I had. A large balance. I was mailed checks and mailed a debit card. My checks and purchases started bouncing because the PNC Bank closed my account with no notice. 
I called the bank number and received no information. Today I was told I had XXXX in the bank but have not received it as of yet but just received a letter that my account is closed for no apparent reason. It is very difficult to get payment with XXXX on my purchases I sent back because they will not talk another bank card from other banks. They have to mail me a great deal of money in my returned items.
Complaint sub-issue: Problem using a debit or ATM card

My ATM card was stolen and there were 3 unauthorized charges and several unauthorized ATM transactions. Citibank is giving me the runaround about the ATM transactions. They had no problem refunding the charges but they 're giving me a headache about the ATM transactions. Even though some of the charges were BEFORE the ATM transactions. I 've never used this account for ATMs. Anyway, I get this letter that says they tried to contact me for follow up and were unsuccessful. That ca n't be true, I 've received no communication from them. Anyway, the letter says to contact XXXX XXXX and so I did. She says I have to call and reopen the claim. So I call and they tell me that the claim was denied. Why would the ATM transactions be denied but the charges be approved? It does n't make sense.
Complaint sub-issue: Debt was result of identity theft

Discover Credit Card currently lists a charged off account on all three of my credit bureaus in the amount of {$1900.00}. This account does not belong to me and should be immediately deleted. I am a victim of identity theft, please see FTC Report. I have attempted to contact Discover ; however, I have yet to receive a response.
Complaint sub-issue: Debt was result of identity theft

" Conns XXXX Inc '' has reported false and inaccurate information to the credit bureaus with claims that I owe a debt of {$3300.00} on the date of ( M/Y ) XX/XX/XXXX along with the false and inaccurate claims that I've opened an account with them on ( M/Y ) XX/XX/XXXX. I have never owed such claimed debts to Conns XXXX Inc. 
Conns XXXX Inc has no records or supporting proof that would link me to such debt. Conns XXXX Inc is unable to provide any proof beyond a reasonable doubt that would link me to this account they are reporting to the credit bureaus. 
In addition, Conns XXXX Inc is knowingly reporting an inaccurate address that I've never lived at, that is in a completely different state than what I do live in. 

Conns XXXX Inc has received an Identity Theft Report in XXXX of XXXX and as of XX/XX/XXXX has multiple FCRA VIOLATIONS. 
Each of those violations will be pursued in State Court.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and there are accounts on my report that are not mine
Complaint sub-issue: Reporting company used your report improperly

in accordance with Fair credit reporting act 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 also states a consumer reporting agency can not furnish a account without written instructions
Complaint sub-issue: Information belongs to someone else

I have been checking my credit and I found a public record and some inquiries that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit report.
Complaint sub-issue: Personal information incorrect

The addresses that are listened are not mine. I've never lived in any of those addresses before. Please delete them or be fined {$1000.00} per minute for fraudulent information, identification and bills.
Complaint sub-issue: Information belongs to someone else

This is not the first time complaining and they are ignoring my request.. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX and after few days without any chance to verify ( validation period ) my records ( 30 days to ask for verification ) or according to the FDCPA, XXXX XXXX XXXX placed the account XXXX in my credit report in a clear violation of the law. 
Previously contacted XXXX  via CFPB to obtain copy of any CONTRACT or ORIGINAL DOCUMENTS to validate any debt but the answer was they try to contact me in a old address which has not been a verified address without any success but now they decide to validate by themself. 

The report show inaccurate and not validated information because during the time they are indicating to the credit bureau, i was not living at the address so how XXXX could open an account and charge every month using my identity and social security. 
See residency letter from shelter during the period open and charge under my name. 

XXXX shows day account open XXXX and EQUIFAX XXXX ( inaccuracy open dates ) XXXX shows as closed account vs EQUIFAX shows as Open account. ( inaccuate status ) XXXX XXXX reported amount XXXX XXXX and EQUIFAX XXXX ( Inaccuarte balance ). 

The address attached to the account has been a cause a few fraudulent credit account open using my identity. 

This information is submited by XXXX XXXX XXXX TO XXXX AND EQUIFAX WIHOUT ANY VALIDATION OR VERIFICATION. 

During that time frame and before I was living in a shelter so the dates obviously are incorrect XX/XX/XXXX until XX/XX/XXXX, previous that address I was living in a hotel room for 6 month since XX/XX/XXXX and previous to the hotel room my addres was in zip code XXXX in the XXXX since XX/XX/XXXX until XX/XX/XXXX ( 1 year ) the amount is wrong and somebody used my information to open the account.. XXXX XXXX XXXX violate the 30 days period and the Credit Bureau XXXX AND EQUIFAX allow them to post false, Inaccurate and not valid information without any support. 
XXXX XXXX XXXX break the FDCPA 809 section by posting information without validation in the frame time of 30 days according to the law. 

XXXX AND EQUIFAX is in violation of the FCRA by allowing XXXX XXXX XXXX posting inaccurate, false, not valid information hurting my credit report.
Complaint sub-issue: Talked to a third-party about your debt

On XX/XX/2022 This company sent an email to my daughter about a debt they are attempting to collect from me Included in the email were details and account numbers. I had never provided them with her contact information. They have also not notified me about any right to dispute the debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I have for several months been disputing with the credit bureaus on inaccurate information on my credit report from the creditor. However to no avail I have not made any progress. 

I am writing to challenge the reporting and compliance on an account with XXXX that is being reported on my credit report with incorrect information. 
More specifically, I am referencing the fact that bureaus are reporting inaccuracy in the length of late pay on this account prove of who validated this account from the wrong payment/amount owed, date opened that does not match with XXXX, EQUIFAX & XXXX. This improper procedures is highly damaging to my credit score. 
I have complained about XXXX bank on several platforms and through CFPB as well to find out that its the same result.My biggest concern is with all the documents i have submitted through the CFPB on these errors the bureau is allowed to keep updating and correcting these errors that are clearly wrong without proper verification. This account should have been deleted from my credit profile. I showed the errors in late payments, inaccurate dates of when this account was open as well as amount due through this platform and it comes back verified. I asked for prove of verification and it comes back verified with no prove. I thought that all information reported must be in good faith and lawfully correct. How can i have one bureau claim i paid on time and the other stated 60 days late verified after i file a complaint through your department. 
However, all reported data must be completed, correct, and proven if challenge. I dont know how the credit bureau validate wrong information without adequate compliance of state and federal laws being applicable throughout.