Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to request of you to remove the accounts and information you report on my Credit File which resulted due to identity theft. I sent a letter on XX/XX/XXXX, to remove accounts and infomation I found on my Credit XXXX  that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Once again, I need you to remove the following accounts and information from my Credit File at the earliest possible time : XXXX XXXX Pa Date Assigned XX/XX/XXXX XXXXXXX XXXX XXXX  {$61.00} XXXX  XXXXXXXX Date Assigned XX/XX/XXXXXXXX XXXX XXXX {$510.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. Also, please send me copies of proof of verification from your investigation in the event you believe that the disputed items belong to me. If you can not find any documents to support your claims, immediately remove the disputed items from my Credit File.
Complaint sub-issue: Received bad information about your loan

I received a delinquency notice FOR THE THIRD TIME IN THE MATTER OF ONE MONTH on a student loan account THAT DOES NOT EXIST WITH XXXX XXXX. This is HARASSMENT. They are providing inaccurate information. i have called them to STOP HARASSING ME AND THEY HAVE NOT HONORED MY COMPLAINT. I AM ON AUTO-PAY FOR EVERY SINGLE ONE OF MY STUDENT LOANS AND AM NOT DELINQUENT.
Complaint sub-issue: Debt was result of identity theft

I dont not apply for this loan. Somebody else must have used my information. I never received anything or had any knowledge of this.
Complaint sub-issue: Confusing or misleading advertising or marketing

I found that your lending practices are discriminatory against XXXX XXXX XXXX. I attempted to get a loan through Carvana and got approved for XXXX down. After uploading the appropriate documents ( submitted my 3 month income statements, my drivers license, and preparing to get insurance on the vehicle ) I was told that my income could not be accepted. Your current policy as it stands unfairly discriminates against me and other XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

I disputed a debt in writing that a debt collector said I owed and stated in the dispute letter to cease further communication with me or others except for providing me further verification of the debt. I also stated that if they notified a credit agency of the debt that they must tell the credit agency that the debt was disputed. The debt collector both called me again after receiving my letter, never provided further verification of the debt, and reported the alleged debt to the XXXX reporting agencies.
Complaint sub-issue: Information belongs to someone else

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

ON XX/XX/XXXX I applied for credit on a used car but when I arrived at the dealership for my appt. time, they sold it just prior to my appointment and tried to sell me another car I didn't want. On XX/XX/XXXX, I looked at some cars on the XXXX and the salesperson said I qualified for one of their cars but only offered me {$1000.00} trade in on my XXXX XXXX XXXX so disgusted, I turned down his offer, On XX/XX/XXXX, I purchased a new XXXX XXXX from XXXX XXXX, but AFTER I purchased it, an additional 6 hard hits came in thru XX/XX/XXXX. These 9 hits should be enveloped? as one due ( 1 ) to the car being purchased and I was unaware that hard hits were continuing and I don't believe they were authorized. 
Second, On XX/XX/XXXX, I was pre-authorized to buy a second car which my brother and I wished to purchase together. On XX/XX/XXXX we purchased a new XXXX XXXX and was assured that we were financed by XXXX XXXX XXXX and was and due to the XXXX holiday, and the car needing pre-delivery update we returned after XXXX and took possession of the Car. The Hard hit 's continued thru XXXX for a total of ( 21 ) which should again be enveloped? as One (! ) due to they were not authorized and for a single purchase started on XX/XX/XXXX and accepted on XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

Monthly I tried to correct my reports. There is a big issue with these credit reporting companies. They have been hit with lawsuits and still do not meet qualifications to handle the consumers information. 
There is a major economic problem in the nation and they seem not to understand! 

Since there is an economic issue affecting people way of paying their bills, why are not the reporting done better to help the consumers and not hurt the? There is no compassion with these companies.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account, XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my righ

ts 15 U.S.C. In accordance with the fair credit re
porting act XXXX  account XXXX XXXX  XXXX 2022 has violated my rights 15 U.S.C. section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section2 it also states a consumer reporting agency can not furnish an account without my written consent. 

In accordance with the fair credit reporting act XXXX  account XXXX XXXX  XXXX has violated my rights 15 U.S.C.1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written consent.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a collection placed on my credit reports from XXXX XXXX XXXX. I disputed the account and filed complaint. In turn XXXX XXXX XXXX sent me a billing statement from XXXX XXXX XXXX. The billing statement has my name and a wrong address, and an account balance, that's it. Before disputing the account I was informed the account was opened online. According to the FDCRA inaccurate information on a consumers credit report has to be properly validated and verified. A billing statement is NOT verification. The correspondence also states that I must prove that I did not open the account. XXXX XXXX XXXX and XXXX XXXX can not prove I did. It is not my job to prove to a collection agency anything. It is their job to prove I did and then follow the law, and to stop using illegal tactics to collect debts that they can't verify or validate. Also I was sent a fraud packet that I have no problem completing without sending my personal information. I will send the information to XXXX XXXX XXXX who is NOT reporting on my credit reports. XXXX XXXX XXXX is a collection agency that I have never did any business with for goods or services. I did not open this account and I do not know who did. What I do know is the account has not been properly verified according to the FDCRA. Also after my complaint and disputes the account is now reporting twice ( duplicate ) on my Equifax report.
Complaint sub-issue: Information belongs to someone else

There is a collections amount of {$420.00} from XXXX  that does not belong to me. The account number as shown is XXXX.
Complaint sub-issue: Information belongs to someone else

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Complaint sub-issue: Investigation took more than 30 days

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX- Last reported XX/XX/XXXX {$8900.00} Reported balance XXXX  {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$410.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Complaint sub-issue: Investigation took more than 30 days

I sent in a dispute for accounts that do not belong to me! I sent this letter to the bureaus over 30 days ago!! 

I began trying to obtain a home for my family and was denied due to erroneous information present on my credit reports. Since I noticed the incorrect information and accounts I got in contact with all the bureaus, which they then told me to submit my disputes through writing. I have been spending my time and money to submit these disputes to the bureaus and yet they do not provide me with any proof of ownership on ANY of the disputed accounts. I feel TARGETED and ATTACKED by these bureaus that are suppose to help consumers! 

The bureaus XXXX, Equifax, and XXXX are also blatantly breaking the law by taking over 30 days to investigate my dispute and by reflecting accounts on my credit report that are inaccurate and inconsistent. They are in direct violation of FCRA 605!! And the Fair Credit Reporting Act, 15 U.S.C. 1681g! 

The accounts I disputed are showing inaccurate Last Active Date, Payment History, high limit amount, date opened, payment history are all NOT reporting the same across all bureaus and this is NOT Metro 2 complaint, a regulation that all bureaus NEED to follow. 

I beg you please help me correct these issues because it is truly unfair that I am not able to obtain a home for my family like others can. I am starting to feel that because I am XXXX American I am being targeted and not being allowed to progress because they are placing these inaccurate accounts on my consumer report!!
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 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: Problem with statement of dispute

This is the second time I have filed this same dispute with Equifax. The first time I sent the documentation that the recorded State Lein was Released along with the notation from the State stating THERE WERE NO FEES AND THE LIEN WAS FILED IN ERROR. I then filed again ( with the same documentation ), and noted that it clearly stated the LIEN WAS FILED IN ERROR, yet they still refuse to removed it off my credit. I was on the phone with them for 42 minutes today, and they refuse to remove it. They just say the document says the Lien was released. Then I say well of course they had to release it, it was invalid. Then I ask them " do you see that it clearly states in BOLD the lien was filed in error? '' They say " yes, but it was released and that is all we will change ''. I even pointed out to them their own Policy clearly states if it was filed in error it will be removed. They just refuse to remove this off my credit.
Complaint sub-issue: Information belongs to someone else

I WAS REVIEWING MY CREDIT REPORT AND I SAW, THAT THERE ARE ACCOUNTS WHICH IS NOT MINE. I COMPLITELY DISAGREE WITH INFORMATION WHICH YOU POSTED ON MY CREDIT REPORT. NOWDAYS ITS VERY HARD TO SURVIVE WITH XXXX, AND YOU MADE IT HARDER WHEN YOU POST THESE ACCOUNTS ON MY CREDIT, NOW I HAVE NO CHANCE TO OPEN CREDIT CARD, IT WOULD HELP ME EVEN TO BUY FOOD.
Complaint sub-issue: Their investigation did not fix an error on your report

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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account from my credit report : XXXX XXXX XXXX XXXX : {$8000.00}
Complaint sub-issue: Didn't receive terms that were advertised

When I opened an account on XX/XX/2020 with Bank of there was an offer for a {$250.00} bonus if the following requirements were met : Customer must make direct deposits totaling {$1000.00} or more each calendar month for three consecutive calendar months by XX/XX/2020 to the new checking account. One or more separate direct deposits in a single calendar month that add up to {$1000.00} qualify. 

I met the requirements but the bonus has not been paid.
Complaint sub-issue: Not given enough info to verify debt

I have still yet to receive actual proof of my signed authorization yet this agency advised your company they would obtain and supply. How can a company state a debt is owed without proper validation? a computer print out is not validation a normal consumer ca n't even understand.
Complaint sub-issue: Reporting company used your report improperly

on my credit reports it shows a differnt number of accounts one says 27 other 28 and other 26. All are closed due to banckruptcy due to wifes XXXX XXXX issues and medical bills. My credit file says they are delinquint and they are not they are all closed and should not be on my creidt report as still outstanding. Also i have paid my mortgage and vehicles on time never late on only one of the three credit reports show it.
Complaint sub-issue: Other problem

I have a PNC SmartAccess prepaid card. On XXXX XXXX I tried to load {$1100.00} on the card at the branch ATM. I deposited {$600.00} then i tried to load {$500.00} more. A screen popped up saying i was exceeding my daily limit but gave me the option to enter an amount. I put {$300.00}. It accepted the {$300.00} but kept {$200.00} and didnt credit my account nor did it give the money back from the ATM. I immediately tried pulling the {$300.00} out thinking that it would give back the whole {$500.00}. It didnt. I called the number on the back of the card and filed a dispute. After a few days I call to check. The lady said they were still working on it. After 2 days I went into the branch in XXXX ga. I spoke with XXXX XXXX. She called and they said they were still working on the dispute and I should see something in my account within 4 days. I waited and nothing was in my account. I go back to the bank and spoke with the branch manager XXXX XXXX. He called and spoke with XXXX about it and she said today was the XXXX business day. He told her as per my agreement as the cardholder i was due a provisional credit. They hung up. I go home and I get a call from XXXX and the voicemail Message said I didnt have any dispute filed yet. I go back to the bank the next day and XXXX ended up getting the run around and I didnt get my money back still.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX  Hey I am authorizing a complaint on my behalf I cant believe you guys are taking advantage of me I am very upset the credit bureaus have not responded to me about my investigation I sent a letter/dispute I need these accounts deleted & updated these are the items I demand to be deleted. 

I demand these accounts be deleted immediately from my credit profile if not I will file for monetary damages because you are in violation of my rights of privacy. US code 15 USC 1681n. Unauthorized inquiries
Complaint sub-issue: Contacted your employer

Allied Interstate calls repeatedly. Using different numbers thoughout the day. They contacted employers after being told to leave them alone multiple times. This has been ongoing since XXXX, daily including weekends.
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Their investigation did not fix an error on your report

i have tried to file a dispute multiple times over two years with the three credit bureaus. i have supplied verifying documentation. the credit bureaus have not updated the accounts with accurate information. i called the credit company and they said they were not able to supply accurate information or did not have the information required for the report. they requested that i supply them with their own documentation. furthermore, it is clear that the credit bureaus and credit provider have limited the ability for consumers to submit information or to contact them in ways that are significantly detrimental to average consumers. the corporate culture that has been developed is significantly detrimental to certain demographics too.
Complaint sub-issue: Information is not mine

Equifax is not responding to any of my requests to investigate, verify and remove XXXX accounts from my credit report that do not belong to me.
Complaint sub-issue: Information is missing that should be on the report

I currently have a LENDING CLUB Loan & I have called on numerous ocasions to inform them that my loan is not being shown on my XXXX, XXXX, & XXXX Credit Report. I keep getting the run araund and I've decided not to continue trying to resolve this with XXXX anymore since it's not going anywhere, Note : I was told by LENDING CLUB that once I was approved for the loan that they REPORT to XXXX, XXXX, & XXXX.
Complaint sub-issue: Received bad information about my loan

On XXXX/XXXX/XXXX, Fed Loan Servicing inaccurately reported, previously cleared, information causing XXXX XXXX 's credit score to drop approximately XXXX points. To make matters worse there is no record that the report from XX/XX/XXXX occurred and came to fruition only after he tried to make arrangements with Fed Loan Servicing for a forbearance. He was re-assured in a phone call to Fed Loan Servicing XX/XX/XXXX that no negative credit reporting was scheduled to occur, yet within 30 days of that phone call negative information posted to his account. Fed Loan servicing inaccurately reported negative credit information on XXXX/XXXX/XXXX. This has created financial difficulty for XXXX XXXX. He has been financial burdened from the mistake and the information on his credit report is not accurate. He has had difficulty from XXXX/XXXX/XXXX accessing credit, student loans, moving, car loans, and had to pay higher interest on debt as a result of inaccurate reporting. All previous negative credit reporting from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX had been removed from the credit report ( by XX/XX/XXXX ) but now is inaccurately shows as 120 - 149 days late in XX/XX/XXXX ( as if default occurred XX/XX/XXXX ). Fed Loan Servicing illegally reported inaccurate information by changing the date of the already vindicated delinquency from XX/XX/XXXX. This Fed Loan servicing report is against the law because they re-reported previous delinquency from XX/XX/XXXX XX/XX/XXXX ( which was removed XX/XX/XXXX ). This is against FCRA Section 623 ( a ) ( 1 ) ( A which states : " it 's illegal to report information that you know or believe is inaccurate ... '' XXXX XXXX was unable to access financial resources as a result negative credit reporting because Fed Loan re-aged ( inaccurately changed the date of the first delinquency and has no record of doing so ) which is duplicative reporting and is in violation of the CRA Appendix A to Furnisher Rule Part 660. This rule says that a reporting agency must follow policy and procedures to prevent re-aging ; which Fed Loan Servicing failed to do as evidence by their denial of appeal.
Complaint sub-issue: Information belongs to someone else

I went to the car dealership to get a car for my son and the approved me but with a high Interest rate. It begin to bother me because I make sure I pay all debt on time. I went to look at my credit and XXXX behold I see a loan on there that Is not mine. There Is a company called XXXX I guess thats where the loan came from. I contacted this XXXX place and Im getting no luck with them. I hope someone can help me with this. Im doing this on my own and really need some help with this.