Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2019 with a balance of {$120.00}.
Complaint sub-issue: Information belongs to someone else

I was checking my recent credit report, and found accounts and inquiries that I did not recognize. These accounts are fraudulent and I have never given authorization for these accounts. There were multiple inquiries reported on XX/XX/XXXX of XXXX and more on XX/XX/XXXX of XXXX, that I have never applied for.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding unknown and inaccurate things on my credit report. To this day 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason for immediate removal of those items from my credit report. It has been 60 days and they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Account terms

I am disputing the XXXX report that they are charging me with..I had consumer Affairs involved and they reported back that they over charged me on thier Account..We cancelled the cable with them and 6 months later they kepted charging for a cable bill..And we had internet lite and they upgrade the internet without our permission and We told them disconnect their service and that We did n't want their high priced service..And XXXX told us our bill would only be XXXX a Month and them after the upgrade they went to XXXX without our permission..And they do not have any of my personal infor like Social Security or any such..
Complaint sub-issue: Investigation took more than 30 days

I have disputed multiple times the following account with Equifax Information Services LLC ; XXXX XXXX XXXX ( Opened XX/XX/2021, Balance {$17000.00}, Original Creditor Name XXXX XXXX XXXX ). The last dispute was sent on XX/XX/2021, see attachment. To this day the Equifax Information Services LLC have respond to my disputes and they still reporting this unverified debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In checking my credit report I discovered unauthorized inquiries
Complaint sub-issue: Information belongs to someone else

In XXXX of XXXX, I received a call from a collection agency about an unpaid account with XXXX XXXX that was set up with my social security number. XXXX determined it was a case of fraud. I was advised to file a police report ( see attachment ). On XXXX XXXX, XXXX I received an e-mail from XXXX stating that they notified XXXX, Equifax, and XXXX. It stated that it would take 30 -90 days for the fraudulent account to be removed from my credit report. In XXXX of XXXX, I was completing a yearly free credit check and noticed that the unpaid account is still showing up on all three credit reporting agencies. I called XXXX and a similar email was sent on XXXX XXXX, XXXX. Both emails are attached.
Complaint sub-issue: Information belongs to someone else

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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: Information belongs to someone else

XXXX XXXX is reporting an account with account number XXXX on my consumer report with a balance of {$280.00} and the account does not belong to me. I have never done business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Debt was paid

My wife had XXXX a while back, insurance approved it so she had the XXXX, then thay denied it. She did finally get the insurance company to pay the bill. Now the collection agency is wanting us to pay {$5000.00} in interest for the XXXX! This is not right, why should we be responsible for interest when then isurance company agreed to pay for it. The collector is credit collections bureau, and we already paid {$9000.00} in a garnishment previously to getting the insurance company to pay!
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 {$3900.00}, {$28000.00}, {$0.00}, {$0.00}, {$1500.00}. 
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 ) -- OPEN ACCOUNT XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 


XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

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

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


-- XXXX ACCOUNT XXXX. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Attempted to collect wrong amount

Omni financial keeps reporting that I owe a ridiculous amount of money. The original loan wasnt for the amount they are reporting however they keep reporting that I owe them over XXXX XXXX  In XXXX last XXXX they reported I owed them XXXX and now they say XXXX when this loan has been closed for XXXX. They also keep reporting that my payment is late every XXXX drastically ruining my payment history on my credit report when this account has been charged off for over XXXX XXXX!!! It is fraud to report that I am late more than XXXX XXXX and ruin my payment history. This company is fraud and takes advantages of soldiers. They were also involved in litigation for over charging soldiers. They also are charging XXXX XXXX interest instead of the XXXX XXXX mandated by XXXX. Frauds!!
Complaint sub-issue: Was not notified of investigation status or results

XXXX  and Equifax are refusing to validate my dispute requests and this is a Violation of the FCRA ... I will go to the FTC if my disputes are not validated and deleted today. 

My state and the applicable federal regulations and standards for proper lawful reporting requires that any injurious claim of delinquency and or derogatory information be factual and physically verified reporting standard ( s ). The inability to validate and certify compliant reporting is grounds to demand deletion of claims, and this is my contradiction and denial to any negative implication and my right to insist such reporting be deleted immediately. Please supply the following information in complete detail : Why you think I owe the debt, and to whom I owe it, including name, address of creditor for the debt, the account number, and the amount owed. Provide the name and address of the original creditor & account number, and the amount owed at the time it was transferred. Provide verification and documentation such as a contract claiming that I am required to pay the debt to the current creditor. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : A copy of the last billing statement sent to me by the original creditor. If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor provide an itemization showing the dates and amount of each of them. If you fail to provide any of the information or documentation above, please say why. If you do not provide it, and do not explain why, I will understand that you are unable to confirm or document your claims. 

XXXX XXXX XXXX XX/XX/
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On or around XX/XX/XXXX, I received a prepaid Visa Gift Card in the amount of {$150.00} by my employer as a XXXX gift. 

On XX/XX/XXXX, I attempted to use the card for the first time and my purchase was declined by the retailer. When I looked up the card on XXXX, I found that the card was previously registered and spent by someone other than me ; even though the card had never been removed from its original protective Visa envelope until I attempted to use it for the first time on XX/XX/XXXX. 

I called the Visa Gift Card toll-free number ( XXXX ) regarding the apparent fraudulent activity and was instructed by the representative to fax a scanned copy of the front and back of the gift card, my drivers license, and either a purchase receipt or a written statement if a receipt was not available. Once faxed, I was instructed by the representative to call the same toll-free number after three ( 3 ) business days to continue the process. 

On XX/XX/XXXX, I faxed the requested information to the fax number provided by the representative ( XXXX ). 

On XX/XX/XXXX, I called the toll-free number as instructed. The representative told me the drivers license was not legible and that with no copy of a purchase receipt, Visa could not move forward with processing my claim. When I informed the representative that her colleague, on XX/XX/XXXX, advised me that in place of a purchase receipt, that a written statement would suffice. She said that was not correct and that she could not help me with the information provided. 

I asked to speak with a supervisor and was connected to one. I was told that Visa could not help me without a purchase receipt. Being that the prepaid Visa Gift Card was a gift ( without a receipt ) and I was instructed by a Visa representative to supply a written statement in place of the receipt, I asked to be connected to someone that had the authority to make a customer service decision. 

The manager told me that someone from Visa, who had the authority to reissue Visa Gift Cards, would call me within 3 to 5 business days. 7 business days have since passed and I have not been contacted by Visa.

Despite being an apparent victim of fraud, I am now being stonewalled by Visa in having this issue resolved.
Complaint sub-issue: Reporting company used your report improperly

I did not give these companies my permission to post or give my credit information. It is a violation of my consumer rights according to Fair Credit Reporting Act under 15 USC 1681.

15 USC 1681, section 602 A, states I have a right to privacy.

15 USC 1681 section 2 states that a consumer can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information, any adverse item of information, other than records of conviction of crimes which antedotes 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have reviewed my credit report in XX/XX/2022 and sent certified letters to creditors as well a XXXX, Equifax and XXXX Credit Reporting agencies, asking them to delete the information from my credit report because of inaccuracies, not my accounts and/or because it was published without my permission. Of course it is well over 30 days and they have not deleted these accounts from my credit report. 

On XX/XX/2022, I sent a certified letter for XXXX XXXX {$5900.00}, it has been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX for XXXX {$2600.00} ; XXXX {$2100.00} ; the accounts are charged off, but they are still on my credit report. 

On XX/XX/2022, I sent a certified letter to Equifax for XXXX {$2600.00} ; XXXX {$2100.00} ; XXXX is on my new credit report 4 times for 2 loans. Some of the accounts dont have account number or other information is missing making it look like its a different account. the accounts have been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX for XXXX {$2600.00} ; XXXX {$2100.00} ; the accounts have been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX  for XXXX {$84.00} ; it sold it to XXXX  XXXX, XXXX on XX/XX/2022 and the accounts is on my Equifax credit report, but I never owed them anything and it is still on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

Letters amongst letters were sent out to this company for reporting this to my credit report unknowingly and unwillingly to my knowledge, while also being inaccurate. To my common knowledge I haven't heard anything back from them making me feel as if they are completely disregarding my request. This is bringing upon stress into my life while also financially holding me back. In section 611 ( a ) it states failure to investigate these items within 30 days causes for immediate deletion. It has been well over 60 days and I have received no response. I want these files to be deleted immediately or i will file for litigation.
Complaint sub-issue: Account status incorrect

I paid on time and paid it off but they saying i still owe
Complaint sub-issue: Their investigation did not fix an error on your report

A XXXX XXXX card has been a part of my Chapter XXXX  bankruptcy since XX/XX/XXXX. A few weeks ago the status of the card changed and it was no longer labeled as bankruptcy. It was showing as a delinquent account. I submitted a dispute and they updated it to be included as a part of the bankruptcy again, but my credit report decreased by about 24 points with an updated date for XX/XX/XXXX. Original date that XXXX became a part of the bankruptcy was XX/XX/XXXX. Status now states it is a petition for Chapter XXXX Bankruptcy/Never late. I do not know what made the card move from bankruptcy status to active status. I feel like my credit score was negatively impacted by someone's error to report it correctly with the bureaus, which is negatively impacting my credit.
Complaint sub-issue: Debt is not yours

Approximately 1 month ago, I received a letter from GB Collects, in XXXX NJ. Phone number XXXX. Their file # is XXXX. They indicated that they were contacting me on behalf of XXXX XXXX, and claimed I owed their client, for XXXX, from a year and half ago. I immediately contacted them, and disputed their claim. I asked for physical proof that I owed the debt, and they couldn't provide any. I had XXXX for 2 months, and paid my bills. I then became unemployed, and was able to get Medicaid. I contacted XXXX, and cancelled my insurance. At that time, no one said I owed anything. GB collects calls my phone constantly, and sends me letters in the mail. They have failed to provide me proof, and I asked them not to be harassed anymore, but they continue to do so. Any help with this would be appreciated.
Complaint sub-issue: Problem with fees

My Fidelity Investments credit card was alway paid with Autopay feature. 
They transferred business to XXXX XXXX XXXX XXXX in the fall of XX/XX/2018 without notifying me. I've optioned to receive all information from Fidelity Investments via email. 

While doing my taxes and pulling monthly statements I discovered Autopay had been stopped without my knowing and I had monthly penalty fees. I called immediately and XXXX XXXX informed me that I needed to re-enter autopay, of which I was never informed about. 

I asked XXXX to waive late penalty fees due to lack of notification and I'd pay my small balance, but they refused. Outstanding credit card late charges make up greater than {$200.00} of the {$260.00} balance due. 

My card has been canceled, yet now they say i will be charged their crazy interest rates on outstanding balance of a dead credit card. 
This is malicious and predatory considering I never received notification of policy change. 

Please help.
Complaint sub-issue: Information belongs to someone else

REMOVE FRAUD INQURIES FROM MY CREDIT REPORT FINALLY! 

This is my third message to make you to accept my complain. Why I still have someone else 's inquiries or fraud inquiries in my account? What is that? Do you understand that this wrong and misleading information just killing my life planning .... How should I proceed if in 2021 Bureaus can not guarantee that they reporting right information plus the system is interconnected this effects on my score and on my financial planning, loans, mortgages and my wife mood .... So could you please get finally my point and apply proper actions?! Please I want to have my own information in my credit report So remove it asap
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

XXXX5 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: Credit inquiries on your report that you don't recognize

XXXX XXXX on XX/XX/19 pulled credit without my permission in which I did not give them. When calling XXXX they say they did not run hard credit but it shows on my credit reports. I want to see the document to where I agreed to run credit by XXXX XXXX XXXX.I don't want no excuse from XXXX  or XXXX the blame game. I want proof or removed from my credit file on Regular Inquiries
Complaint sub-issue: Problem with customer service

I applied for the XXXX XXXX XXXX XXXX ( XXXX ) with Fedloan Servicing. On XX/XX/XXXX and XX/XX/XXXX I uploaded my Government Employment Verification forms. Fedloan took a look at these documents on XX/XX/XXXX. Since the Department of Defense, XXXX of my former employers does not verify employment. I uploaded my XXXX and XXXX XXXX on XX/XX/XXXX. Fedloan Servicing asserts that XXXX of my payments are eligible payments towards loan forgiveness, BUT I do not have any Government work history verification. I have made multiple telephone calls to Fedloan Servicing and I am on hold for about XXXX minutes on the average. At last, in late XX/XX/XXXX, I finally got a person who told me that Fedloan Servicing has a backlog and he has no idea when they will get to my documents to verify the authenticity of my Government work history verification. I feel I am being stonewalled by Fedloan Servicing.
Complaint sub-issue: Didn't receive enough information to verify debt

I happened to get a call from this debt collector name security credit which I have never signed a contract with them. I also never gave them or the consumer reporting agency written permission to post this information on my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require that the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$0.00}