Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

On XX/XX/2020 I applied for a forbearance. On XX/XX/2020 the account was 30 days past due. On XX/XX/2020 First Mark Services reported my account as 30 days past due with a delinquent amount due. On XX/XX/2020 the lender XXXX finally approved the forbearance.. First Mark refuses to fix my report even though the forbearance was  approved. Its not my fault it took the lender so long to process the forbearance.
Complaint sub-issue: Information belongs to someone else

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have an inquiry on my report from XXXX XXXX  XXXX XXXX and Equifax Mortgage XX/XX/2018. I contacted the company and they had no information and dont know why the inquiry is on my account. I been going back and forth with XXXX. They wont even put in. Dispute or help me with this matter
Complaint sub-issue: Reporting company used your report improperly

my car loan with XXXX XXXX XXXX violation according to the FCRA 15 U.S.C. 1605 determination of finance charge
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$0.00}, {$1600.00}, {$820.00}, {$4000.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

5. MXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- AUTO LOANS OR LEASES 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Debt was paid

I need your help to stop this deceptive practice and fraud from Office Depot, I had request to cancelled the service but the charged continually to add on to my account in my name. 
I paid my bill in timely manner and pay as agreed. For the service to start I must pay in advantage otherwise the service will not be provided. When I request for cancellation the charge should be stop, and not giving accused for back pay for fraud profits. I called and spoke to XXXX on XX/XX/2020, XXXX she insisted that I still owned Office Depot back in XXXX & XX/XX/2020. ( see attachment ) Office Depot continue to send me monthly bill with late charged and interest that I didnt owned. Please help me stop this deceptive practice and fraud that continue on, and on. 
I need your help, this type of fraud for profits must be stop, I am looking forward to hearing from you and thank you for your help and understanding. 
Sincerely,
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX has already been reported more than once, I continue to receive fraudulent calls from this company at my place of business. They are calling me multiple times a day on my business line. I never gave this company my employment phone line. Which I use strictly for business purposes. Not only are they harassing me at my job, but they are impeding my work. I use my work for to make outbound calls to make a living. This company has resorted to calling the receptionist harassing them, calling my extension. Calling my parents, this is all hours of the day. The company had already been advised I never opened any accounts with this company. This was a result of identity theft. I didnt authorize any accounts through them. They already have been sent an identity theft affidavit. They chose to ignore all my law enforcement documentation. Instead attempted to state they sent me documentation that once again never got sent. This account is identity theft. The account they are claiming received the money was also closed due to identity theft. Clearly this is fraud, the harassment on my business line prevents me from completing my job. They are not authorized to contact me or my employer any further.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2022, I received an email that my credit score with Equifax dropped. Upon checking my score dropped XXXX points with no explanation. There are no late accounts or collections are no hard inquiries to cause such a drop. I spoke with representative XXXX who gave me the runaround and XXXX a supervisor how also had no explanation. I was told that they couldn't address this over the phone. I requested a letter and received the run around again. All of my accounts will show paid on time and as agreed. I find that Equifax is being deceitful in their practice and would appreciate this matter being looked into.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Complaint sub-issue: Information is not mine

Hi Good Morning, I have been disputing this XXXX XXXX account that is on my credit report for some time now. The account is inaccurate on my credit report. the account appears to have a balance and the account has been paid in full years ago. This has also been on my credit report since 2008. Equifax continues to ignore my request to have this removed, I have called the call center many times to just be but on hold ignored and transferred. I have sent in countless emails, letters and disputed this many times to no avail. This has impacted my credit tremendously. The account is to old to be on my credit and the account is reporting inaccurate information.This account has been paid. Please remove this off my credit report. Thank you for your valued time.
Complaint sub-issue: Funds not handled or disbursed as instructed

PNC Bank advised me on XX/XX/2020 that they suspected {$2500.00} had been withdrawn from my checking account in Maryland by a man using false ID on XX/XX/2020. I live in Florida and confirmed their suspicions were correct. I have been unable to have these stolen funds returned to me even though PNC has confirmed the identify of the thief to not be me via the false ID used. PNC now said it can take 30 days, contradicting your website which indicates 10 days.
Complaint sub-issue: Account information incorrect

I checked my credit report and discovered this inaccurate derogatory remark on my credit report. I have submitted disputes requesting proof of contract within 30 days. I did not sign any contracts with this company. This company has not provided any proof of contract as per requested on the dispute within 30 days. I wish to have this remark removed off of all 3 credit bureau reports.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. I previously mailed this company notification of the identity theft and did not hear a response ( although I mailed it to XXXX and to be fair they were hit by a hurricane a few days after ). I did not live at XXXX XXXX XXXX, nor have I ever. My address at the time was XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX. You XXXX call the XXXX Apartment complex and confirm that is where I lived. I never met or spoke to any representative from XXXX XXXX which is the apartment building located at XXXX XXXX. My apartment at XXXX XXXX XXXX was robbed and my identity documents were stolen. I filed a police report with the XXXX Police Department after the theft. The police report number is : XXXX Several utility and credit accounts were also opened in my name using this fraudulent address. I alerted all creditors who did an investigation and found the accounts were not opened by me and they removed the accounts from my name. I filed an FTC identity theft affidavit to alert to FTC to this fraudulent address being used in my name. Attached to this complaint are letters from creditor & utility companies that used this fraudulent address to open these accounts, my ID and the FTC affidavit. The police report can be confirmed by calling the XXXX Police Department 's automated system and entering the police report number.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XXXX, 2018 I tried to get through to someone at Equifax as I paid for a look at my credit score. It took me a very long time to reach a person and I believe they were located outside of XXXX. They could not help with my log in issue and said it would take 1 week to verify who I am. They rate my score far lower than XXXX and I can not easily cancel my subsciption or dispute old and out of date information. This credit company is unethical and has the ability to ruin peoples lives. They should be shut down due to shoddy practices and no ability to reach someone who speaks English fluently. This is a scam agency who tries to get you to " pay '' in order to fix mistakes on your credit report. No consumer should use this agency.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dont recognize, have not applied for anything in 3 years. Please remove
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020
Complaint sub-issue: Information belongs to someone else

Hi, CFPB I have a problem and believe that my personal and business info may be stolen and I want to get protected 1 ) Today someone tried to change login information and my phone numbers in the online banking with banks : XXXX XXXX, XXXX, XXXX and maybe others They have changed my email and phone number to their ( fraud ) My email XXXX Name XXXX XXXX My company : XXXX XXXX XXXX EIN : XXXX We have fixed the login information, but I afraid they have access to my personal info and SSN and need your help. 

2 ) Today I have checked my credit reports Equifax and XXXX and have found Hard inquiries that I never gave permissions and I afraid that this info may be stolen as well Here is details : XXXX  report : Date : XX/XX/2020 - Equifax Mtg Date : XX/XX/2020 - XXXX XXXX EQUIFAX report : Date : XX/XX/2020 - XXXX XXXX  Date : XX/XX/2020 - Equifax Mortgage Ser I need your help to fix that 3 ) Also, under my business XXXX XXXX XXXX ( EIN XXXX ) https : //www.ilsos.gov/uccsearch/searchindex.do I have 7 opened loans but in fact I have just 1 with XXXX currently I want to remove others
Complaint sub-issue: Their investigation did not fix an error on your report

i sent out a dispute/investigation letter the was signed for on XX/XX/2021 and have have not heard anything from the XXXX about the dispute. the dispute was for inaccurate reporting of dates on accounts. and inquires that i didn't authorize.
Complaint sub-issue: Debt is not yours

This is a debt the should've been paid by the insurance and the father XXXX XXXX whom is court ordered to carry insurance on the children.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. XXXX Accounts below violated my rights. 15. U.S.C. 1681 Section 602 A states that I have the right to privacy. 15. U.S.C 1681 Section 604 A section 2- Consumer Report Agency can not furnish an account without my written instructions. I have sent several request to remove inaccurate information and these account. Letters and documentation such as FTC was sent on XXXX, XXXX, XXXX, XXXX, XXXX,. Accounts below : XXXX. XXXX XXXX - Account # XXXX, and Account # XXXX XXXX. XXXX XXXX XXXX ( original creditor : XXXX ) - Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXX - Account # XXXX XXXX. XXXXXXXX XXXX - Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX XXXX - Account # XXXX, Account # XXXX
Complaint sub-issue: Problem using a debit or ATM card

About 18 months ago I was using my debit card at XXXX and Citi blocked my card and online banking. I have been calling for months getting transferred around department to department they told me my account would be getting closed and a check with my funds would be mailed out in XXXX days. It has been over an entire year and i still do not have access to my funds which was around {$5000.00} in my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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: Debt was paid

I have an ALLY FINANCIAL charge-off on my credit report that should have been covered by my GAP insurance. When I called they said that I was not covered for this debt because I had a late on the account. There is nothing at all in my contract that states my GAP coverage would not charge if there was a late on my account. I want this debt and account removed off of my credit report.
Complaint sub-issue: Application denied

I applied for a new XXXX XXXX card from Citibank which I should have been well qualified for ( XXXX XXXX XXXX ), but was apparently denied without explanation, despite following instructions from their customer service. I applied aroundXX/XX/XXXX. After several weeks without a response I called Citibank 's customer service around XX/XX/XXXX. I was told that I needed to verify my identiy either by providing a reference a letter, or by answering a verification call. I had not received a letter, and apparently the phone number they had called was a landline number that I discontinued a few years ago. The customer service rep offered to re-send the letter.
So far this was fine -- I ca n't fault Citi for wanting to do two-factor authentication. The troubles began when I received the repeat letter. I called Citi again and provided the code in the letter, but instead of taking this as verification, they instead denied the application. The only reason I could get out of the customer service rep I spoke to was that they " could not verify the information on [ my ] credit report. '' I went around with him repeatedly trying to figure out what that meant, or how I could fix it, but only got the same response. I asked to speak to a supervisor, but while I was being transferred I accidentally pushed the wrong button on my phone and hung up.
At this point things went from bad to worse. I tried calling back, but Citibank 's application line has an automated voice response system that requires an SSN before you can proceed. When I enter my SSN, I get an automated response that my application has been denied, and can proceed no further. I ca n't get anyone from Citibank on the phone, and ca n't get any further information. Citi eventually sent a letter confirming the denial, but with no additional information, just " We could n't verify the accuracy of some of the information you provided. '' I 've attached the final uninformative letter, such as it is.
Now I have no card, and a hit on my credit score from a hard inquiry that went nowhere.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I spoke directly with the consumer reporting agencies on XX/XX/XXXX & XX/XX/XXXX after noticing multiple new inquiries on my consumer reports and was instructed to contact the 'creditors '. After doing so, no accounts were found using my credit card number ( social security card ) but no person was willing to remove the inquiries pursuant to 15 U.S. Code 1681c2, 15 USC 6802, or otherwise. I gave mention of a previous FTC report filed # XXXX and the consumer reporting agency claimed they never received it. 

INQUIRIES : XXXX XXXX ( on XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX ( Equifax ) Because the 'creditors ' received no expressed permission or consent, nor extension of credit from me, the original creditor, and refuse to abide by the laws set out in the Fair Credit Reporting Act, they are now criminally liable per 15 U.S. Code 1611. 

Per 15 U.S. Code 1681c2, the consumer reporting agencies must remove said inquiries in the next 4 days and criminally liable per 15 USC 1611 for denying my request for removal and not upholding the laws of the Fair Credit Reporting Act. 

15 U.S.C 1681 states : " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

An elaborate mechanism ( consumer reporting agencies ) has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

Consumer reporting agencies have assumed ( assumed, meaning appointed themselves. They are not a government agency ) a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I am submitting this complaint to hold these consumer reporting agencies accountable as my rights to privacy and my reputation as an original creditor and consumer is negatively impacted by these fraudulent inquiries. 

Per 15 U.S. Code 1681a, " the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Inquires are a transaction and/or experience between a consumer and the person ( or organization ) making the report. Having these inquiries on my consumer report is a violation.
Complaint sub-issue: Right to dispute notice not received

This supposed debt was with originally with XXXX XXXX XXXX in XXXX of 2016. I disputed the debt requesting for validation and I never received any response and that collection agency deleted the debt from my credit report. Suddenly, I pull my credit reports in the month of XXXX and notice that a new collection agency had reported this debt and never sent any sort of notification prior to doing so. On XXXX XXXX, 2016 I mailed a certified letter to Enhanced Recovery explaining they had never sent any notification denying my consumer rights and reporting the item without proper notification and time frame to dispute the validity and I also requested validation from this company. I have confirmation my letter was received on XXXX XXXX and I 've still yet to hear anything from them but the supposed debt remains on my credit file and is hendering my credit scores.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021, Strong Home Mortgage run a hard inquiry on my credit report without my consent lowering my credit score which could impact credit rate for a purchase I have planned for the short term. I got reached out via email by two employees asking me for more information to provide a quote, XXXX XXXX, XXXX & XXXX XXXX, XXXX. 
I didn't reply their messages since I was not interested anymore in getting a quota. However, they went ahead and run my credit report creating a hard inquiry without my authorization. 

XXXX XXXX NMLS ID # XXXX Senior Loan Officer Strong Home Mortgage , LLC Branch NMLS ID # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Add-on products and services

This complaint is about the Best Buy Credit Card issued through Citi Bank. I have had that card on auto payment for more than a decade and never look at my statement. Today I reviewed my statements and realized they have been charging me for a " Debt protection '' program that I never knowingly agreed to. In just the past three months, they have charged me more than XXXX dollars for this service I never knowingly agreed to and do not want. 

I called the listed phone number and spoke with a customer service person who told me that I had signed up for the debt protection program in 2007 when I applied for the card. I don't think this is accurate as I wouldn't have signed up for insurance for a credit card. Or they hid the consent for it within the signup process. I'm not sure, but over the last 15 years, they must have charged me thousands of dollars in debt protection fees without my consent. I requested that they cancel the service and I also requested a refund on the charges.
Complaint sub-issue: Account terms

XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated. date opened is wrong. lots of things wrong on the report. date opened was not XXXX XXXX, 2008. I disputed the account details and they are refusing to verify the information.