Johnade/consumer_complaints_cfpb huggingface dataset:
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 how to remove the fraudulent inquiries 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/block any inquiries 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 inquiries that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  FINANCI XX/XX/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

I have reviewed my credit report and there is information that I have discovered which is not mine. I would like to immediately dispute and have investigated. The accounts that are on my account that are not mine are : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and remove them once its confirmed that they are not mine. 

Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Complaint sub-issue: Debt was result of identity theft

Please remove these inquiries. They do not belong to me. I did not authorize. Please check the attached document. Please also place an extended fraud alert on my credit report. As I see a few items I did not authorize on my most recent credit report.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX 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 The following accounts are all fraud and need to be deleted from my credit report immediately.
Complaint sub-issue: Problem accessing account

Dear CFPB, This complaint is in regards to the practices by Bank of the West, namely in failing to timely respond to customer requests to file dispute of charges under Regulation E, their subsequent retaliation and closure of the account, lack of timely notification of such adverse actions, and now holding funds from the Small Business Administration with no clear timeline or roadmap to obtaining it from them.

The timeline of the issue and sequence of events below is generalized : XX/XX/XXXX I Make funds transfer inquiry about unauthorized withdrawals of account funds via XXXX XX/XX/XXXX BotW responds finally outside their stated 24-48 hour timeframe, ask for the amounts and dates in dispute. 
XX/XX/XXXX I respond with the dates and amounts of unauthorized transactions. 
XX/XX/XXXX I follow-up once again. 
XX/XX/XXXX I follow-up once again, clearly flustered. 
XX/XX/XXXX Follow-up once again, also notice that my account says I have no eligible account on file when I login. Receive automated e-mail that disputes were filed and are being investigated. 
XX/XX/XXXX Customer care responds with some pre-baked excuse about long delays and tell me to call a number which I attempt but it goes nowhere. I respond angrily that after this delay their response was unacceptable. 
XX/XX/XXXX A debit transaction of {$0.00} is conducted in branch without my permission. 
XX/XX/XXXX I read a message to call my local branch which I do, I speak to XXXX and she says she will get back to me. 
XX/XX/XXXX PPP Loan arrived at the account and was processing ( mind you, I applied a month ago and it just finally arrived, BotW closing my account was a coincidence, and for sole proprietors it doesn't matter what bank account the funds go to since it's to pay for salary ). I call once again, reach XXXX, who tells me she will have her manager XXXX reach out to me. 
XXXX PPP Loan was already current/on balance. XXXX does not reach out. I call, speak to XXXX, who investigates. 
XX/XX/XXXX Unable to login/ recovering password doesn't work. Receive e-mail from XXXX that compliance closed the account for " business activity. '' In summary, BotW had an unreasonable delay to initiate Reg E covered disputes on my account, and the day on which they filed for the dispute, they closed my account, and later would cash out my funds without any sort of correspondence. I am still uncertain whether the dispute is ongoing and will be resolved, and if so what recourse I have whether it is in my favor or not, and how to follow-up. The timing of events looks like retaliation or some sort of action to avoid Reg E rules which might cost the bank funds. The additional run around, with nobody knowing anything, and not contacting me about these actions is egregious, stressed me greatly, took much time out of my day, and now my funds that are essential for my business are trapped with nobody doing anything to help me obtain them.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX, XX/XX/XXXX, Equifax and has publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties in which are damaging my reputation and credit worthiness. 



XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXEquifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$13000.00} {$13000.00} {$13000.00} No. of Months ( terms ) : 72 72 72 High Credit : {$17000.00} {$17000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$13000.00} {$13000.00} {$13000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Received unwanted marketing or advertising

" CREDCO '' XXXX XXXX XXXX. via CREDCO has been inquiring for many years now & continuiously puts HARD inquiries on my reports. 
Some have dropped off XXXX they continue. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't know how or when they received permission to continue to make these Hard Inquiries. 
I wish to STOP them from further Inquiries. What must I do to stop this from further happening?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, XXXX, Equifax and XXXX has violated my rights by having Bankruptcy XXXX XXXX XXXX XXXX XXXX on my reports. 

15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I attempted to purchase a truck bed from a salvage yard in XXXX Illinois, called XXXX XXXXXXXX XXXX XXXX I used my Discover card to make the purchase. XXXX XXXX XXXX then turned around and charged my card twice for the same purchase. The original purchase was on XX/XX/XXXX, the double charge occurred on XX/XX/XXXX. 
It took a month to get the double charge straightened out. The truck bed never did show up at my home. It is now XX/XX/XXXX. I have contacted XXXX XXXX parts several times, with no help, they are the epitome of dishonesty and liars. Discover Card has ruled with the Merchant on this issue, saying that the charge was valid. I have talked with them at least 10 times on this matter. I never received the part in question, never signed for it, if it were dropped off, which it wasn't. The amount of the truck bed was {$1700.00}, which supposedly included shipping. XXXX XXXX XXXX  has told Discover card that they did ship the truck bed to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Mt. XXXX. The trouble is There is no such address, as I have checked on it, and the biggest mistake they have made is I live at XXXX XXXX XXXX in XXXX, Mt. XXXX which is 10 miles away from XXXX, Mt. XXXX XXXX parts has over 10 complaints against them with the XXXX. And their XXXX reviews are horrible. Still, Discover Card has chosen to side with them. After I have been a solid Customer with Discover card since XXXX. There were never any tracking numbers from XXXX XXXX XXXX or any Email telling me when to expect the truck bed. The truck bed is 5 feet wide by over 6 feet long. Pretty hard to misplace something of this size. The double charge on the Card mentioned above was also for {$1700.00} which took a month to get reimbursed for.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

upon calling both bureaus I was told i couldnt be verified and they wouldnt remove anything on my credit report despite the both of us viewing my credit report at the same time, i never gave consent to them to view, nor will they remove inaccurate info upon me attempting to dispute. I recently reviewed my credit report and noticed some unauthorized inquires on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partiaI and I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had permission Under 1681 b number 2 & I never instructed you guys to create nor did I consent to this report in the first place. What I am demanding right now is that you guys delete all of these inquiries not attached to an account EQUIFAX - XXXX XXXX Inquiry date XX/XX/2022 XXXX  XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/2022 GXXXX XXXX XXXX  Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX - XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXXXXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX  XXXX Inquiry date XX/XX/ XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/2022 XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXXXXXX XXXX  Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX - XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/202XXXX XXXX
Complaint sub-issue: Account information incorrect

I became of member of XXXX  / XXXX / XXXX monitoring and when reviewing my credit reports I noticed that XXXX XXXX is reporting 120 days of late payments ( {$43.00} ) for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I reached out to the XXXX   XXXX several times by telephone to discuss the errors on my account and the miscommunication. During that time period I was dealing with a hardship and contacted them. I can remember I did my loan forbearance over the phone with a very nice and professional customer service representative who was very understanding and told me everything was taken care of, but after reviewing my credit I seen my forbearance wasn't taken care of, so I reached out to XXXX for help. 

I thought that I can handling this issue directly with the company and my problem will be solve, only to find out their Customer Service Representatives are extremely rude and unwilling to listen and help you with your problem. Ive been an upstanding customer and always paid and handle my account issues in a timely matter since my account been transferred to XXXX its unfortunate that the nice lady that I spoke with back in XX/XX/XXXX didnt handle my account correctly. 

In XX/XX/XXXX I submitted a written letter informing them of this issue and the only thing I received back was an electronic response letter in my account porter saying they received my credit request and that they are needing more information which I submitted by mail and gave them a copy of my credit report. 

Latest phone conversation XX/XX/XXXX : I contacted XXXX to see how this issue can be resolved. The customer representative was so rude and didn't allow me to finish my claim she said NO! sorry there is nothing I can do. I tried to explain to her that everything was done over the phone back in XX/XX/XXXX she continue to basically tell me Im a lie. I asked to speak with the Supervisor. I was then placed on hold for a long time ; the supervisor came on and basically said he couldnt do anything either and I will need to submit a dispute form and it will go into review and it will take 5-7 days to receive a respond. Its very frustrating and unfair that I have to take the blame and say it was my fault so that I can be consider for an adjustment. 

XX/XX/XXXX : I spoke a new customer service rep. name XXXX ( employee # XXXX ) and asked her about the 5-7 days response and she quickly told me NO Ma'am! you will not hear anything back from us about your dispute until 30-60 days. Why am I getting the run around and different answers from employees a few days ago I was told by a XXXX supervisor that it will take 5-7 days To add, I just recently did a Disaster Forbearance due to Hurricane Harvey and everything was done over the phone with no paperwork or with my signing ( XX/XX/XXXX-XX/XX/XXXX ) - safe to say nothing have been reported yet. 

please help! I tried to collect all the documents I can find*
Complaint sub-issue: Attempted to collect wrong amount

NPAS collection agency, working on behalf of XXXX XXXX XXXX XXXX ( XXXX ) is attempting to collect a debt I know nothing about. In XX/XX/2021 NPAS started calling about a hospital bill that wasn't supposedly paid ; two years after the birth of my child. XXXX has all of my insurance which has been provided to them numerous times. On XX/XX/2021, I spoke with XXXX and gave her all of this information, for the XXXX time! When I ask for a Reference Number, Invoice, bill or tangible documentation they say there is no Reference Number or Invoice, just call back in 30 days. 
Today I called to follow up and spoke with XXXX who said the claim wasn't paid because the information " couldn't be verified and now they could resubmit it to XXXX. '' Also, they've been trying to contact us numerous times during the month of XXXX which is documented in their system. This is a completely false statement! No one has called me to follow up or try and verify any information. Furthermore, when I asked what address the numerous letters were sent they gave me the old address ; which I updated on XX/XX/2021, with XXXX and numerous times prior to that. 
After I asked to speak with XXXX XXXX manager she transferred back to the switchboard and I eventually spoke to XXXX. XXXX stated, " they're sorry they had old information and they have to resubmit the claim. '' XXXX XXXX XXXX XXXX and NPAS and engaging in fraudulent and frivolous billing, deceitful tactics, not being transparent, and making false statements. I've given the Hospital and this billing company all of my insurance information numerous times over the past two years ; they've had this information since day one. If the hospital or NPAS didn't file a claim in a timely manner directly attributed to their failure then they can't debt me to debt collection two years later and have a debt collection agency engage in fraudulent activity while making numerous completely false statements and pretending to send the documentation that doesn't exist.
Complaint sub-issue: Their investigation did not fix an error on your report

Contacted company directly, and they provided documents that had information which doesn't belong to me, nor did it have my signature. I also pointed out that I had cross-checked the docs with what is being reported to my credit report, and the information was vastly different from XXXX CRA to the next, however, nothing was done about the account being falsely reported. This account is being falsely reported, as it doesn't belong to me, and is also being falsely reported across all XXXX credit bureaus with different information as you can see in the attachments. That is a violation of the FCRA and grounds for deletion. Not to mention that I disputed this in XXXX and XXXX, but there was never a notation that this account was disputed placed on my credit file within 30 days of my initial dispute, that is another FCRA violation. Lastly, as you can see from my attached reports showing how this account is reported you can see that the date of last activity is changed from month to month as well as the payment status is reported inconsistently and incorrectly, which is a re-aging of the debt and another violation of the FCRA. Please delete this account and cease reporting to my credit report immediately. Thank you. -Violations of FCRA XXXX a and b for failure to place a notice/disclosure that the account was disputed within 30 days, failure to report accurate information, and failure to update/delete inaccurate information
Complaint sub-issue: Problem with fees charged

On today XXXX, XX/XX/2022, Ally Auto would not let me speak with a supervisor about my account to get it fixed after calling 3 times. 

No actions have been taken by the company. There are over {$800.00} showing after my account is to be paid off this XX/XX/2022 2022
Complaint sub-issue: Information belongs to someone else

While having my morning coffee, I checked my credit report. I noticed it appears to be accounts listed on my file Ive never had or open. Ive been a victim for identity theft. Ive sent letters to All Credit Bureaus. My letters seem to be going unnoticed. Ive also sent in a ftc report. Which you will see it attached to this complaint. Its a large amount of inquiries and accounts and address and inaccurate name on my file. 

Name Wrong XXXX XXXX, & XXXX XXXX, Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Dept of Ed XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Fraudulent Accounts 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX {$1300.00} 3. XXXX XXXX XXXX 4. XXXX XXXX  Please See Attached Ftc Report!!
Complaint sub-issue: Old information reappears or never goes away

A collection Agency called XXXX XXXX is reporting an account to all three credit bureaus as open in XXXX. I have disputed this several times in the past few years that the account is not mine and no one has sent any proof of the account. My credit file a few years ago showed this account as closed in XXXX, yet now XXXX XXXX has changed from closed to open, more than once causing my credit score to drop XXXX or more points. The credit reporting agencies are not doing anything but accepting the word of the collection agency without any proof of this account being opened by me and the collection agency XXXX XXXX refuses to report it was closed by XXXX XXXX in XXXX the credit reporting agencies XXXX , Equifax and XXXX , are only stating on my file that the dispute was resolved but consumer disagrees. 

This is very wrong!
Complaint sub-issue: Personal information incorrect

I Have a few errors on my credit report that need some attention. I would like my current and only address to show properly as XXXX XXXX XXXX, XXXX, SC XXXX. Please remove the following addresses XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX. There is a account the I do not recognize on my credit from XXXX XXXX # XXXX. I would like the current phone deleted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX they are not mine please delete from my credit file.
Complaint sub-issue: Debt is not yours

This account is not mine, nor do I know whom it belongs to. 

I.C. SYSTEM, INC keeps placing collections on my credit, even when disputed thru XXXX on several occasions. 

This is the only information I have as shown in my XXXX  Credit Report : Original creditor : XXXX XXXX Amount : {$280.00} Collection opened : XX/XX/2019 Account number : XXXX hanks for your help!