Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

Account Name RECOVERY ONE LLC Open Date : XX/XX/2014 Balance : {$4200.00} This, " supposed '' debt that is reflecting on my credit files is totally an unfounded claim. 
This matter can easily be resolved by providing " any '' documents reflecting my true valid signature confirming my responsibility for any of these said " due amounts. 
However, there are none as I stated earlier, this is an unfounded claim of a supposed due debt that I have no clue as to why it has been continually posted. 
Please note that I filed a dispute via XXXX   requesting proof & validation of their claim previously and it was ignored. This is being reported by a company named " Recovery One LLC ''. 
Your assistance in this matter would be greatly appreciated. Note that this is the only thing ( other than inquiries ) that is burdening my credit file.
Complaint sub-issue: Frequent or repeated calls

Debt owed to XXXX XXXX for XXXX. This debt collection agency Named Alltran financial started calling my work and also my wife who has nothing to do with my debt. They also called my father and I have already stated to all my companies to NOT call my work address. I would like to fine a complaint for calling cell phones soliciting payments from my wife and dad and also calling my work where I have explicitly stated to NOT call.
Complaint sub-issue: Problem using a debit or ATM card

Hi There, I was trying to make purchase online on XXXX as usual and then Citibank fraud dept. blocked my card and put account under review for unknown reason even though I was on call with then just to make sure the payments go through successfully. The first payment of XXXX went through and then remaining another XXXX was completely blocked by the Citibank. I was trying to take an advantage of 50 % discount and over by XXXX XXXX  PST XX/XX/XXXX, this negligence by Citibank had cost me about $ 20k for not being able to make a purchase. I was told the daily spending limit is XXXX and still was only able use XXXX out that. Thanks
Complaint sub-issue: Trouble with how payments are being handled

Submitted a payment onXX/XX/XXXX. Payment posted to my bank account XX/XX/XXXX. Discover did not credit my account for the payment. I brought this to their attention and they had me submit a copy of my bank statement and was told they would correct the error. As of XX/XX/XXXX my account was not credited.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

This latest report is in connection to report number : Complaint Number XXXX. 

On XX/XX/2022, I contacted the Money Network Customer Service at XXXX via phone and reached a representative by the name of " XXXX. '' I briefed Money Network through several phone calls of the escalating unauthorized charges to my debit/credit card and the lack to provisional credits from Money Network to customers that are victims of fraudulent activity. XXXX directed me to go back to the property where the fraud occurred, and provide the manager with an email to Fiserv. When I asked XXXX, " What is Fizerv, '' XXXX began to stumble on her words. I continued to ask XXXX something like 'Why is Money Network asking me to go back to the property were fraud occurred to provide an email address and contact information for Fiserv ? ' XXXX informed 'Fiserv is an account [ inaudible ] with/on [ inaudible ] money network. ' XXXX then put me on hold for a long period of time. The phone call was disconnected.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$370.00}
Complaint sub-issue: Information is not mine

This account is a result of ID Theft and has been expunged by XXXX XXXX as a result this need to be remove from my credit immediately : Liens And JudgmentsProcessed Date XXXXXX/XX/XXXXDate Filed XX/XX/XXXX-XXXXXXXXAmount XXXXDate Of Alert XX/XX/XXXX-XXXXXXXXCourt Name XXXX XXXX XXXXAddress XXXX, XXXXPhone Number ( XXXX ) XXXX
Complaint sub-issue: Was not notified of investigation status or results

To Whom this may concern : Not surprised from this reply ( enough research proves it ), I am requesting the method of verification for these disputed account ( s ) listed here below with the ( account names and # ). This is within my consumer right and accordance within Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Collection- # XXXX-if not valid or verified properly, delete immediately. 
XXXX- XXXXUnverified Account- delete immediately. 
XXXX XXXX XXXX XXXX-if not valid or verified properly, delete immediately. 

I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1981
Complaint sub-issue: Account information incorrect

TOTAL VISA IS REPORTING AN ACCOUNT ON MY TRADELINES THAT I AM DUSPUTING. I SPOKE WITH A CUSTOMER SERVICE REPRESENTATIVE NAMED XXXX ON XXXX WHO STATED THAT THIS COMPANY DOES NOT HAVE THE ACCOUNT. IF THEY DON'T HAVE THE ACCOUNT HOW ARE THEY REPORTING LEGALLY?
Complaint sub-issue: Other problem getting your report or credit score

I do not have a credit score for the bank to approve or deny me credit. I have called Equifax for XXXX days straight and they can't fix the issue.ANy Bank that connects to equifax they don't get a score back from them. I'm locked out the banking system do to no score from Equifax. 

They continue to mail me a hard copy but the bank will not accept that. Bank need to connect thier system to Equifax to provide me credit.
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as anew evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these  credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Complaint sub-issue: Account status incorrect

My mortgage account was in a forbearance until XX/XX/2021. I sold my house in XX/XX/2021. Even though my loan was closed current, paid in full and I was on a forbearance, XXXX  and XXXX  and Equifax reported that I was over 30 days late for last month since I didn't pay last month because I was on forbearance. 

This has greatly affected my credit score - decreased 40 points. They have not found a way to resolve this matter. My mortgage company has stated that they submitted the information to the credit bureaus as paid in full and current but some how they are showing 30 days late.
Complaint sub-issue: Other problem getting your report or credit score

The company is used to determine line of credit and their credit score model does not update. Since covid 19 there has been no updates to any ones score especially mines. This is a violation of our rights as consumers.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 XXXX XXXX XXXX accessed my credit report without my consent. I filed disputes with Equifax and XXXX  to no avail. I have not lived in XXXX in over 7 years so there is no reason for this inquiry to be on my report for XX/XX/2019. 

XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I was cleared of a debt by XXXX XXXX through court. The other party that was on the loan took me to court and ended up being responsible for the debt. I sent Equifax a letter from XXXX showing that I no longer owe the debt and Equifax will nt remove it. There are a lot of things that do not belong to me on my Equifax report and it is ruining me from purchacing a home for my kids and I I have done all I can and even file a ID theft report and sent in to Equifax and they still will not remove that and several other things from my report. 

Also all 3 credit bureaus are reporting lower scores than I actually have and that is another thing that is stopping me from a home purchase I am a single parent and I worked hard to get my cerdit on track for this home purchase and now I an being denied due to inaccuries on my credit reports
Complaint sub-issue: Their investigation did not fix an error on your report

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE AND 1 ACCOUNT THAT IS NOT MINE. A LETTER OF EXPLANATION IS ENCLOSED.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report  from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited  to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

Opened account on XX/XX/2018. Bank offered {$300.00} bonus for opening account and depositing within 30 days {$15000.00} ( satisfied terms on XX/XX/2018 ) and maintaining balance of same for 60 days ( satisfied terms on XX/XX/2018 ). Bonus has not been paid to date. 

In addition, attempted to draw check on the account in the amount of {$5000.00} on XX/XX/18 and depositing institution reversed the check on grounds the account on which the check was being drawn was frozen ( I have never asked for the account to be frozen or placed on hold ).
Complaint sub-issue: Reporting company used your report improperly

I'm sending this letter in attempt to REMOVE some erroneous and incorrect items from my credit report, before I seek remedy. First of all, I would like to mention Public Policy HJR of 1933 a.k.a Public Law 73-10 which suspended the GOLD Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
ACCOUNT NAMEXXXX XXXXXXXX ACCOUNT XXXX XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX  ACCOUNT NUMBER- XXXX XXXX OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX  ACCOUNT NUMBER- XXXX DATE XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXXXXXX XXXX  ACCOUNT XXXX XXXX XXXX OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items 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 ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND these be removed IMMEDIATELY. Also according to 18 USC 1028A if I did NOT give XXXX, EXQUIFAX, and XXXX, written consent to furnish this information, that would indeed be identity theft.Pursuant to 15 U.S.C. 1692k any debt collector that fails to comply with any provision of this sub chapter with respect to ANY person is liable to DAMAGES. that I am I have listed the accounts above, and I DEMAND each and EVERY ACCOUNT AFOREMENTIONED ABOVE BE REMOVED IMMEDIATELY.
Complaint sub-issue: Was not notified of investigation status or results

I have sent 3 letters about removing negative accounts from my credit report. It has been 45 days sense first letter was sent out certified mail demanding Reinvestigation of negative accounts. I still have not received a response by law these accounts must be removed immediately. It has affected my ability to obtain credit at this time. And this has caused me financial hardship
Complaint sub-issue: Information belongs to someone else

The information on this account is wrong and should be removed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a report through both XXXX  XXXX  and XXXX XXXX XXXX that a new hard inquiry had been reported on both my XXXX and Equifax credit reports. 

Both accounts show a hard inquiry from XXXX XXXX on XX/XX/2022 located at XXXX XXXX XXXX, XXXX, VA XXXX, Phone Number ( XXXX ) XXXX. 

I did not submit an application for credit with XXXX XXXX. XXXX XXXX was unable to verify any credit application using my social security number or cell phone number. XXXX XXXX refused to attempt to find an application using other personal data ( name, birth date, address ) that might have been compromised. 

My XXXX report reflects that : Within the past 90 days, companies that requested your report provided the following information. 

Name XXXX XXXX Requested On XX/XX/2022 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX This is presumably the information that was provided to XXXX  XXXX in connection with the credit inquiry. However, the address does not match any of my record addresses, which should have alerted XXXX to the likely fraudulent nature of the inquiry. XXXX apparently nonetheless responded to the inquiry from XXXX XXXX. XXXX has refused to delete the inquiry from my account without a Letter of Deletion from XXXX XXXX, which has disclaimed any knowledge of the inquiry and refuses to further investigate or a police report. 

Equifax allow me to submit an online dispute regarding the inquiry but summarily dismissed the dispute with a statement that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' They similarly indicated that my only options were to pursue it with XXXX XXXX or obtain a fraud report. 

I also received a call purportedly from XXXX XXXX 's fraud department directing me to call in reference to a recent application ( XXXX ). This does not appear to be a legitimate call from XXXX XXXX, as this number is not referenced on any XXXX XXXX site.
Complaint sub-issue: Debt is not yours

Dear CFPB, I owed XXXX XXXX XXXX for a phone bill for wireless service in the amount of {$310.00} and due to nonpayment my account was suspended on XX/XX/XXXX. I wasn't able to access any service from XXXX XXXX XXXX after my account was suspended including the internet, so it was hard to pay my XXXX XXXX XXXX XXXX bill. 

Although my service was shut off, I was sent another bill for another service period from XXXX XXXX XXXX saying I owe {$410.00} on XX/XX/XXXX. I contact AT & T to dispute the amount, however I was later sent to collections. 

I eventually paid the collections agency ERC ( Enhanced Recovery Company ) over {$700.00} for the balance of the closed account. ERC sent the negative result to my credit report. It is ( XXXX ) still  impacted negatively today ( XX/XX/XXXX ). 

On XX/XX/XXXX and on XX/XX/XXXX, I called XXXX XXXX XXXX and ERC both and they say there is nothing they can do to fix the problem that they caused resulting in a negative report on my credit history, significantly lowering my credit score. 

I've attached the documents showing : 1. The service suspended ( email ) 2. The extra charge after the service was suspended ( email ) 3. The account being sent to collections ( email ) 4. The total balance after the account was closed ( email ) Thanks you
Complaint sub-issue: Card was charged for something you did not purchase with the card

I lost my card and reported it to Upgrade, the agent according to a representative I spoke with after said the first agent filed the wrong claim. 

They filed a dispute for the transaction instead of reporting my card lost/stolen, that triggered Upgrade request documentation like receipts of proof of purchase that I didnt have because I never made the purchase I spoke with an agent and said I wouldnt need to forward documentation since my card was lost/stolen However Upgrade closed out the claim and is making me responsible for the charges I didnt make because I never responded to the claim and was advised not to since my card was lost
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitted several disputes to equifax, XXXX and experience and they all come back as verified. I just submitted a dispute with each of them inXX/XX/XXXX and again in XXXX 2017 and the same results. I also email each of the companies and on report and XXXX XXXX back sent a packet that included billing statements. The issue of inaccuracies was never address.
Complaint sub-issue: Personal information incorrect

The issue is the Equifa  x Information Sefvices LLC is reporting that I am deceased.
My father and I shared the same name and he is now deceased and now it is affecting me because reports are claiming that I am also dece  ased.
Complaint sub-issue: Account status incorrect

I had a car-loan with   XXXX    XXXX   XXXX  that was in delinquent status when it was paid off in  XXXX   2014  by my insuranc e carrier,   XXXX   XXXX . Despite its delinquent status, the payment represented the loan pay-off for the vehicle.     Currently, all Credit Bureaus show the account as either written, closed with a balance remaining, or still delinquent. Attempts to correct with the bank directly have been met with mockery or derision. The credit bureaus insist they only report what the creditor gives the, I 'm basically stuck with this account on my report until the account passes its statue of limitations,
Complaint sub-issue: Other problem getting your report or credit score

My husband and I have called Equifax several times to remove any hold on our account that could be preventing the lender from pulling our credit. We are trying to get a home mortage and every time the lender tries to pull our credit it always have a block. The message they are getting when they pull my credit is " credit reported fraudulent by consumer ''. The first time the lender tried to pull our credit it was a freeze preventing them now the freeze is removed and I don't know what else is blocking the lender from seeing my credit score from equifax. We've fax proof of identity several times to equifax. Please help and send some feedback on what we can do to get this issue fixed for good.
Complaint sub-issue: Received bad information about my loan

Followed a link for a company that claimed to be a education loan servicing company. They took my information and accessed my accounts. the company is named EDULOANSERVICING and claims to be based in California
Complaint sub-issue: Deposits and withdrawals

I deposited a cashier 's check for XXXX in an ATM at XXXX XXXX XXXX, XXXX XXXX, MO XXXX as the branch was not open. This check was proceeds from a cash out mortgage refinance to pay off a car loan. First, the title company sent the check to the wrong address. Second, when I put the check into the ATM, I received a receipt that said they could not deposit the check and the check was not given back. I was given a receipt saying call XXXX. I have been calling for a week now and they say it will take 10 business days to deposit this check. In the mean time US Bank is charging me interest on the mortgage loan I took out. I have called at least 5 times and they can not even tell me if they have the check.