Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

I have had a mortgage with XXXX XXXX company for 11 years. I have paid my mortgage through auto-draft from my bank account monthly and I have never been late on a payment and I have always paid on time. I am currently XXXX in XXXX with very little notice that I was XXXX and a few days to prepare myself and my wife and children for my departure. A few days ago I was reviewing my bank account to see if we had any extra funds to send my wife for baby formula and I noticed that the mortgage payment had not been drafted for the month. So, I reviewed the previous months and there were no payments taken out since XXXX. I was not able to successfully call the mortgage company because of my location and the signal and internet is not sufficient, so I can not make calls. I gave my wife the information to call the mortgage company to see what they could tell her. My wife spoke with one agent and she informed her that the mortgage company switched over the mortgages to another company and that they were supposed to send out a letter letting me know. We never received a letter or a phone call. The mortgage is now behind 4 months, and they have added late fees and it has affected my credit. It is not fair that my credit has been affected because of this because i was not aware that the mortgage company was changed. My wife emailed me to let me know how much money was needed to bring the account current and to see if we could make a instant payment of {$3700.00}. She called the new company in which the mortgage was switched to which is Loan Care and its in collections. She spoke with XXXX id # XXXX. She told her that the company stops auto-draft once it was switched over and that the late payments have affected my credit and accrued late charges. She stated that a notice was sent to an address that I do n't reside at and they tried to reach me on a phone number that is not mine. All of the information the company had was incorrect. My wife informed her that we never received notice of change and that I was currently XXXX and we want to get this resolved. We were going to pay most of it and the remaining the following month. She became irritated that she was not speaking with me and immediately refused to talk to my wife regarding the account even though I am unable to speak with her because of my XXXX. She just informed my wife to pay the amount due. She informed her to pay the amount due, but she was n't going to discuss the matter with my wife or answer any of her questions. I simply want this removed from my credit and the late fees waived because this was not my fault that I was unaware of the company change. Like I stated before I have never been late on any payments or have missed any payments since I had this mortgage, so there was no reason that I would stop paying now. I thought that everything was still being paid through auto-draft from my bank account. I have strived to maintain a great credit score, and I am highly disappointed that this is a flaw on my credit with no wrong doing of my own.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There's 8 unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, until these agencies provide me with physical verification as requested over 90 days ago, all the above should be removed as stated in the FCRA law.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries only. Dating back onXX/XX/XXXXuntilXX/XX/XXXX.
1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 2 times XX/XX/XXXX & XX/XX/XXXX 6. XXXX 7. XXXX 8. XXXX XXXX XXXX I 've noticed many unknown inquiries surfaced on my credit report while I was out of the country for long period of time. When I got back in to town and checked my emails I 've gotten several alerts from an Equifax monitoring product I purchased & noticed XXXX inquiries. This has literally been the 30th time I 've sent out certified letters that I had to pay out of my own pocket, documents over to the equifax headquarters seeking some help, phone calls and was hung up on by several customer agents in the Consumer Dept both male & female. They we 're very disrespectful. I have been a victim of identity theft in the past. Equifax is aware of the errors of inquiries on my credit report but refuse to do anything about it. Well since they 're not doing their job I 'm going to make sure that I file a lawsuit against Equifax and various companies. I contacted each company but no one respond with no documents, no validation of any signatures, no possible way a verbal verification holds up against The FCRA, I know my rights and it 's been more than a month ago errored inquiries reporting.
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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CO XXXX XX/XX/2017 XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5100.00} 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Reporting company used your report improperly

So I sent the document off on XX/XX/22. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from CREDCO, I never contacted or contracted with this company. I contacted CREDCO by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions.12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Complaint sub-issue: Investigation took more than 30 days

It's been a while since I sent my disputes to the bureaus. I sent a dispute to XXXX, Equifax, and XXXX and still have not received a response. I believe my disputes were sent XXXX and today is XXXX still with no response. It has been almost 2 months and it's very hard for me to obtain new credit and these inaccuracies on my consumer report are defaming my character. The consumer reporting agencies are in violation of the FCRA. 15 USC 1681i states these agencies must do an investigation within 30 days. I still haven't gotten any results of my investigation. This information should be promptly deleted from my credit file as a result of non-compliance pursuant 15 USC 1681i.
Complaint sub-issue: Account status incorrect

I recently contacted XXXX XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX  XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX XXXX received a letter back stating that that was not my address. Fourth XXXX XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXXand have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX  XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX, XXXX 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: Was not notified of investigation status or results

I have written to Equifax many times about an item that is listed as a " collection '' on my Equifax ( only ) report. however it is a blank name. yet they will NOT answer my letter for information ( including a name of reporting party ). and they continue to keep this inaccurate and incomplete item on my report damaging me.
Complaint sub-issue: Not given enough info to verify debt

Two attempts to get debt validation from collection agency, with no response, got a citation to appear in court on  XXXX   XXXX  at  XXXX   XXXX . Get to the court house after waiting over an hour to be informed that the case was adjorned to  X/XX/17    ... no contact from the collection agency letting me know the case was adjorned. How long do i have to lose work over an account i am trying to find out about, and have no knowledge of? Please assist me in getting some answers.
Complaint sub-issue: Investigation took more than 30 days

EQUIFAX RECEIVED A DISPUTE PURSUANT TO THE FAIR CREDIT REPORTING ACT AND EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS AS A RESULT I AM TAKING THIS STEP TO RECTIFY THIS ISSUE
Complaint sub-issue: Debt is not mine

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Complaint sub-issue: Personal information incorrect

I have a charged off account on my credit report from XXXX  XXXX for {$540.00}. I have filed a claim with all XXXX credit bureas Equifax, XXXX and XXXX. Stating this account is not mine and that it was fraudelent account. All XXXX credit reporting have completely different information on all bureas.Some no payment history. Equifax has different opening date. SO i called capital one and ospoke to a representative and they hung up in my face after being on hold 1 hour. Then i called back to asked for verification of account such as whats the email address on file, what address it went too, what account the payments was made from etc. They did not provide me wiith this information. This company has clearly violated my FCRA rights. This is slander my representation as a human
Complaint sub-issue: Didn't receive terms that were advertised

Six years ago I was told by my bank ( PNC ) that it'd be in my best interest to invest in rolling over my XXXX into an IRA with them. My XXXX though I hadn't invested any money into it in 3 years it was growing good! It had grew several XXXX dollars with it just sitting. I also had company stocks. PNC charged me {$3000.00} to roll it over. I've yet to make that money back! Let alone any profit as promised! Also my stocks didn't transfer with my rollover. They said I have to write some company a letter! So why did I pay {$3000.00} cash for??? I still have to do the work?! So idk where my company stocks are! My company stocks we're from XXXX. I'm still frustrated and so very regretful of this rollover with PNC. My money was fine where it was! I rolled {$15000.00}, cost me {$3000.00}, my balance is {$14.00}, XXXX.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, ELAN FINANCIAL add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are numerous inquires on my report that I did n't authorize I first reached out to all of the companies listed on all XXXX credit bureaus reports after 60 days and no hearing anything I sent letters to the credit bureaus they sent letters back telling me to reach out to the companies which I already did. So I called and all XXXX bureaus did the same thing. They told me there is nothing they can do! This has been going on since XXXX XXXX. I have never applied for something and not been approved. So all the inquires on my reports are not accurate!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are two inquiries on my report that I disputed with XXXX and the credit bureaus. I also spoke with XXXX  concerning the two inquiries and XXXX stated they do not show the inquiries in there system. XXXX told me to dispute them with the credit bureaus and I did. XXXX  Equifax, and XXXX keep stating they verifed the inquiries. The credit reporting agencies did not verify. If this was true they would be removed. I called XXXX again and they stated the credit bureaus did not verify anything with them. The inquiries were on XXXX XXXX, XXXX and XXXX XXXX, XXXX. These inquiries are affecting my score and I want them removed immediately! The number I used to contact XXXX is : ( XXXX ) XXXX.
Complaint sub-issue: Problem accessing account

While logging into my Citi online account on XX/XX/2022 I saw Citi Accelerated Savings Account advertisement. So opened the new savings account and funded at the same time. The confirmation email from Citi stated that I could link the new savings account to my Citi existing online account right away. Once I clicked on the proper link in the email it simply led nowhere, just displayed a blank page. I have made multiple calls to Citi customer service and they kept saying that I have to have ATM card ( which I did not receive ) to link my Citi Accelerated Savings Account even though I never requested it for security purposes as I do not want my savings account accessible via ATM network. My requests to get access to my savings account ( and link to my online account ) via my credit card account, which I have had for over 10 years with Citi, were not honored. This is a complete non-sense. At this point I do not have access to my funds.
Complaint sub-issue: Problem with personal statement of dispute

Hello. 
I original had and outstanding debt with XXXX XXXX XXXX many years ago, they turned the account over to an Collection agency ( XXXX XXXX ). I called XXXX XXXX and we reached an settlement and I paid instantly the amount they offered which was XXXX on XX/XX/2018. Come XXXX I receive a notice from XXXX XXXX informing me that something was added to my credit report. I reviewed what was on their and it was a new collection agency ( I C SYSTEM INC ) I contacted the company to find out who was the original debtor and I was told XXXX, I explain to the agent that I never had an account with XXXX, then they stated, well, XXXX XXXX XXXX. I implied I did have an account with XXXX XXXX and that we had reached an agreement and it's paid in full. Then I was told the records show that I haven't paid anything and I owe XXXX. I ask her can I have an fax number or email to send my proof and I fax it to the company and its still on my credit report as closed but still reporting as derogatory bringing down my score even more when I'm trying to build my credit back up. I paid everything that was delinquent on all XXXX credit report and now they placed this account on XXXX. I disrupted with XXXX in XXXX XXXX and I was emailed that I C System reported that it's verified as accurate account. This company continue to report past due since XX/XX/2018 till current. I have already been reported for this month of XXXX. 
Can you help me with this issue?
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Complaint sub-issue: Account status incorrect

I have two loans that were serviced by XXXX/XXXX  XXXX. Both loans are paid and full as they were transferred to a new lender XXXX XXXX and currently XXXX. My credit report shows 180 days past due and 120+ missed payments for two account which has a great affect on my credit score thus far. During the time of the missed payments I was not only enrolled in school at XXXX College, but my loans were no longer being serviced by XXXX XXXX. The missed payment dates that are listed on my report for accounts start at XX/XX/XXXX - XX/XX/XXXX for both accounts.
Complaint sub-issue: Debt is not mine

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Complaint sub-issue: Account information incorrect

I XXXX XXXX possess an auto loan through Easy Acceptance. In early XXXX I received a missed payment remark on my credit report from the creditor that caused my score to drop 141 points. I attempted to reach out to the company to get them to remove this remark as I made my payment on time and my account is current. I would like the creditor to remove this missed payment remark and to receive my credit points back.
Complaint sub-issue: Their investigation did not fix an error on your report

These public records were not reported to the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question.

I have sent NUMEROUS letters to the bureaus requesting their removal with provided documentation. 

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. I request that this information be blocked and removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

On numerous occasions I have attempted to fix my issues with the three credit bureaus, however, my issues have yet to be fixed. An account with the name of XXXX is reporting on my credit report, however, this account is in violation of 15usc 1681e-d. I have also requested that this account provide me with an agreement in which I have with them to no avail. This company has not provided the authorized agreement creating the debt which is required to collect on a debt per 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX. That means I have no contractual agreement to pay them an alleged debt. There is also an account on my credit report in collections that has no information except a balance. I have no idea what it is and neither does the credit bureau and I would lie it removed immediately, thank you,