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

I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. I ask that you remove the following unauthorized inquiries that remains on my credit report. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.I DO NOT CONSENT TO XXXX FOR VERIFICATION.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX
Complaint sub-issue: Reporting company used your report improperly

The Credit Bureaus stated that my account was properly investigated but how is that possible when the open date is inaccurate, the date last active is inaccurate, the date last reported is inaccurate, last payment, and term length? This is grounds for removal. They also violated my rights under 15 USC 1681 ( a ) ( 4 ) 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.

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 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: Fee problem

In approximately XXXX, I opened a checking/debit account with Simple Bank XXXX I mostly used this account for easier ATM logistics, and would transfer money into it as needed, as a cash account. A few years ago, Simple was consolidated into BBVA. This resulted in no material change to the account. Last year, BBVA was consolidated into PNC. I have since opened a savings account with PNC, so now I have the cash account and the savings account. 

In XXXX of this year ( XX/XX/XXXX ), PNC started charging me a $ 7 monthly service charge, that I never agreed to. I received no correspondence that this service charge would begin. I noticed it when my cash account balance was {$0.00}. I have since deposited money into the account. The total amount of erroneous and unagreed upon service charges is {$32.00}.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On XXXX XXXX Titanium funds called me to get a payment for a vehicle I crashed ( XX/XX/XXXX ). First off I was told I had traditional GAP insurance ( day I bought the car ), come to find out after my car had been totaled I had collateral damage insurance. They arent the same thing. They told me I could go back to the dealership I bought the car to get my old cars balance wiped clear ( XX/XX/XXXX. Told them that isnt gunna happen I already bought a car and wasnt going to have a high interest rate. I got my lawyer involved to help resolve the situation. I had let titanium funds know what was happening and they proceeded to call text and email me daily. 
XX/XX/XXXX I received a call from titanium funds, I told them the situation again and told them I would not be paying for the car until I was instructed to by my lawyer. The gentleman on the phone told me no lawyer would ever tell me that, I told him yes they would because they did. I told him I have dealerships, lawyers, and family who have seen this tell me to stop paying. The gentleman proceeded to tell me nobody would tell me anything like that. The gentleman was very disrespectful to me. I asked him to put a FULL cease and desist on my account I didnt want further communication with titanium funds. He told he wouldnt do that due to my account being an open account and me owing balance. I informed him I worked in auto financing, so my jab is the exact same his is and I know he HAS to put a cease and desist on my account if that is what I request. The gentleman on the phone said once you learn the correct verbiage I will put a cease and desist on your account. I proceeded saying you are harassing me so put a full cease and desist on my account. The gentleman on the other line refused to put one on my account. I ended the call and emailed titanium funds this is your written notice to put a FULL ceased and desist on my account. DO NOT contact me, my references, relatives, neighbors, or my place of work. Proceed to XX/XX/XXXX I received a text and an email. I didnt respond. XX/XX/XXXX I received two calls back to back, a text and an email. Again didnt respond or answer the phone calls. XX/XX/XXXX ( today ) I received two calls back to back, a text and an email. Again no response
Complaint sub-issue: Their investigation did not fix an error on your report

Went to my local pnc office and filed paperwork to take payment out automatically, never did and in the meantime, made a payment on XX/XX/2018. Well I called because Im still being reported as delinquent? My credit score is down 59 points? I called my local branch plus the XXXX branch and got put on hold just to be disconnected? Help
Complaint sub-issue: Their investigation did not fix an error on your report

An unknown medical account appeared on my credit reports. I contacted all three credit reporting agencies with a notice of dispute dated XX/XX/XXXX. Both XXXX and XXXX removed the inaccurate entry from my credit report and sent updated copies of my report. However, Equifax said they investigated the entry and that it is accurate. Equifax knows that I have been having ID Theft issues probably from the breach of Equifax 's own records. I sent XXXX XXXX a dispute letter ( see attached ) via tracked priority mail and they received the dispute on XX/XX/XXXX, proof of delivery is attached. I have no response from XXXX XXXX and under credit reporting laws the period for them to have responded has elapsed. I then sent Equifax another letter, via tracked priority mail, along with a copy of the dispute letter that I sent to XXXX XXXX and informed Equifax that no response was received from the provider that Equifax is trying to say is responsible. Equifax provided no repsonse from the secodn dispute with the additonal infomation that I provided them and over 30 days has elapsed since Equifax received the dispute. Equifax must feel that it is less costly to not properly investigate the inaccurate entry on the credit report rather than to follow Federal Laws that state credit reports must be 100 % accurate and that unverifiable data must be removed. 

Secondly Equifax also shows an entry from XXXX California XXXX. I disputed this previously and they indicated that they removed the data from my report. However the entry once again is showing on my report. I believe this item has been illegally re-inserted into my report. It is illegal because since I was notified that it was deleted I have never been notified as required by Federal Law that it was going to be inserted back into my reports.
Complaint sub-issue: Information is not mine

This account below should be deleted from credit report. The first one is a public record that has been deleted by both XXXX and XXXX. The second account is not mines. 

1. 
Reference Number XXXX Court Date Status Amount {$1400.00} Classification Type legalitems 2. XXXX Other XX/XX/2011 Closed 1 Missed Payment {$1400.00}
Complaint sub-issue: Information belongs to someone else

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX/XXXX XXXX {$450.00} XXXX XXXX XXXX  XXXX {$9100.00} XXXX XXXX   XXXX/ XXXX {$9500.00} XXXX XXXX XXXX {$3500.00}
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX, 2020 an account was opened and I was approved for a line of credit. XX/XX/XXXX2021 I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that XXXX XXXX violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report.
Complaint sub-issue: Reporting company used your report improperly

I learned today that Equifax was responsible for leaking my information to parties that were not given consent to have that information. This information includes my name, address, date of birth, social security number, and everything else needed to make charges on my accounts, open new accounts, or to steal my identity. When using their tool to find out whether my information could be compromised, they tried to make me sign away my ability sue them either individually or in a class action lawsuit in order to ascertain whether MY information was compromised. I view all of the above, and especially the latter, to be egregious in nature, especially since they knew my information was at risk for the last three months and only just released this information to the public recently, and made sure to cover themselves before their responsibility to those who they serve.
Complaint sub-issue: Problem with personal statement of dispute

To whom it may concern, Please be advised that I have made several attempts in correcting the information that has been incorrectly updated and inaccurately reporting to XXXX, XXXX and XXXX XXXX. I have submitted all information from Ally in regard to the release of rights and ownership of the vehicle that is being reported as an open account and it is stating that I have been making on time payments for a vehicle and lease I no longer have or own. Ally themselves have sent a letter regarding the release of ownership from me and I have attached it to this information I am providing ( sent to me XX/XX/2022 ). XXXX XXXX, XXXX and XXXX reports as though I have had the vehicle with on time payments for over 3 years after having had returned the vehicle ( Documents are attached to support ). I have sent a letter to XXXX XXXX and XXXX XXXX that was received no later than XX/XX/XXXX by certified mail ( documents are attached with specific dates received individually for each as well as copies of the letter that was sent ). XXXX XXXX and XXXX have responded although I have yet to receive any information back from XXXX in regard to deleting my account with Ally from their reporting ( documents are attached to support ). XXXX, XXXX and XXXX XXXX have allowed Ally to report consistently and incorrectly my information and have done nothing regarding the fact that they still have this information still being reported inaccurately. This again was the second time for Ally to correct changes and only to report it inaccurately yet again. It is my right to have an accurate credit file and errors like this are detrimental to my well being. It is in direct violations of my rights according to 15 USC 1666 and I am looking to execute FCRA section 611 for the inaccuracy of the disputed information and looking to have all record with any reporting from Ally removed immediately.
Complaint sub-issue: Information belongs to someone else

I have a collections account on my file that I have never done business with from XXXX XXXX XXXX # XXXX. I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file. This account is fraudulent I have never taken out an online loan or Payday type of loan.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My current XXXX credit report shows unauthorized and unrecognized inquiries from loanme/XXXX/XXXX. The inquiry was made on XX/XX/2020. I have sent written request with delivery confirmation on XX/XX/2020, requesting that this inquiry be removed immediately. It has not been removed as of today XX/XX/2020. This unauthorized/unrecognized inquiry is having a negative impact on my credit score/report and has already been cited as a reason why I have been denied credit.
Complaint sub-issue: Old information reappears or never goes away

I contacted Equifax on XX/XX/2018 for your inquiry in case # XXXX and again today XX/XX/XXXX, case number is XXXX # XXXX. 

I have never lived at this location and want it removed from my credit report immediately. 

Former XXXX XXXX XXXX XXXX ARIZONA XXXX
Complaint sub-issue: Attempted to collect wrong amount

XXXX  XXXX US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} EQUIFAX XXXX US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} XXXX  XXXX US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I've disputed this debt collector 's charge of 1., I never opened an account with this debt collector on XX/XX/2018, 2. I already have the original creditor XXXX on my credit report for the same amount. 3. This XXXX failed to validate ownership by bill of sale. This debt collector is placing false information on my creditor report. 
Account Details Last Reported XX/XX/2018 Collection Agency EOS CCA Original Creditor 10 XXXX Status Open Opened Date XX/XX/2018 Closed Date -- Responsibility Individual Balance {$1700.00} High Balance {$1700.00} Remarks Account information disputed by consumer, meets FCRA requirements
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and 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 and reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removed. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, 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: Their investigation did not fix an error on your report

I reached out to this company and let them know that I was a victim of identity theft, and I gave them a list of accounts that were not opened by me. I filed a police report and an identity theft report with the federal trade commission, and Equifax have failed to properly investigate the accounts, and claiming that everything was verified but thats false. Someone stole me identity completely, including my drivers license and social security number.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days past due on an account with the XXXX - partial account numbers XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Complaint sub-issue: Problem with rewards from credit card

I signed up for a Costco Citi card because of its generous rewards program. Once the COVID-19 pandemic quarantining began, I communicated with " XXXX, '' over chat, who identified herself as being from " team number XXXX '' the company refuses to offer any alternate way to redeem the almost {$200.00} check. 

See chat transcript below : Info at XXXX, XX/XX/XXXX : Youre now being transferred to the next available representative. 
Youre now connected to XXXX. 
You at XXXX, XX/XX/XXXX : Hi there. I received a physical paper check that must be brought into a XXXX, despite the pandemic. Have you come up with alternate ways to redeem? 
( rewards check ) Read XXXX at XXXX, XX/XX/XXXX : Good Afternoon, the rewards certificate will need to be used at a Costco warehouse. It doesn't expire until XX/XX/2020. 
You at XXXX, XX/XX/XXXX : Yes, and what makes you think the pandemic will have subsided by then? This is unacceptable. I will be reporting Citi to my state Attorney General 's office. 
Read XXXX at XXXX, XX/XX/XXXX : I apologize for any inconvenience. 
You at XXXX, XX/XX/XXXX : What's your last name or employee ID for the CFPB complaint I'm filing? 
Read XXXX at XXXX, XX/XX/XXXX : I can only give my first name and my team number XXXX.
Complaint sub-issue: Didn't receive notice of right to dispute

Hi THD/CBNA ; how are you? I just got off the phone with your representatives and it looks like that the account was transferred to XXXX XXXX, but i was never informed and it's not even reflecting on my credit report who to contact. When i called your company and citibank recovery team, they stated that i have to call different company which is not listed on my credit report. Please delete! I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX for code of ethics violations.