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

Equifax and XXXX  showing I was late on 3 payment totaling 120 days from the Office Of The Attorney General of Texas XXXX  XXXX Division which is inaccurate as I have never been late. I had my my phone interview about my case worker I sign the paperwork and they sent a notice to my employer to garnish my wages and the company complied. So I never had anything to do with sending payments as it came directly out of my check so I have been late. I have mail in a dispute letter to both Equifax and XXXX   with no reply on XX/XX/2019 and have yet to receive any correspondence back
Complaint sub-issue: Information is missing that should be on the report

I have a personal loan. I open the account in XX/XX/2019. For some reason this account only reports to XXXX. It is missing from Equifax and XXXX.
Complaint sub-issue: Company closed your account

I was scammed. I found a guy on the XXXX app ( pet sitting ) who wanted me to take care of his dog. Said he was moving to the area. We talked for a while about that. Then he asked me if I would be willing to do some personal assistant stuff and asked me to order him some supplies so he could have them ready when he arrived. So he sent me a check for {$4500.00} with a list of stuff to order. I deposited the check at PNC Bank on XX/XX/XXXX. He then told me he hired a personal shopper and asked me to please send the money to his shopper instead of ordering the supplies myself. So I sent all the money via XXXX. Today, on XX/XX/XXXX, the check bounced and was found to be fraudulent, which put me in the negative for that amount as I had no money in the account at the time. I replenished the money, in CASH within the hour of it bouncing. After I replenished the money, all of my accounts were frozen. I went into the branch and was told that my accounts were being closed, and I would not be able to open a new account as they were terminating the relationship. I begged them not to do that. All of my bills come out on the XXXX, and Ive been banking there for XXXX years. I sobbed and begged. They told me no, gave me my money, and sent me on my way. I was the VICTIM of a scam. And my own bank not only wouldnt help me on the fraud end, told me they could do nothing, they then terminated all of my accounts immediately.
Complaint sub-issue: Information belongs to someone else

defamation of character. 
ftc violation XXXX took of a loan and put it back on the XXXX lease also equifax has done nothing to try to help
Complaint sub-issue: Information belongs to someone else

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

In XXXX of XXXX, I noticed a collection on my credit report from CONNS Appliances. I immediately contacted CONNS for validation of this account. In the past, I had an account open with CONNS but it was paid off successfully, so I thought maybe the account information was somehow transposed, only to find out that a completely different account existed under my name. After I did not receive a response letter back from CONNS validating account # XXXX, I then submitted a dispute letter to all credit bureaus in which this account was reporting and I asked for validation. After 6 months, still no response. I became stressed because I could not get information on an account that was fraudulently reporting on my credit report. A year later in XX/XX/XXXX, I submitted another dispute only for the credit bureaus to state that the account was " Verified ''. I submitted another validation letter and still no response from the credit bureaus. It is now XXXX and I am still having issues with the credit bureaus not providing validation that the account belongs to me and not removing this erroneous information from my credit report. My next step will be consulting with an attorney and sue the bureaus and CONNS Appliance.
Complaint sub-issue: Report improperly shared by CRC

XXXX of XXXX pulled my credit on XXXX/XXXX/2015 from minimum XXXX banks and other institutes without my authorization. I called XXXX of XXXX, XXXX TX XXXX to remove the inquiries on phone, they said I should ask Credit Bureau, when they will contact ask them, we will ask them to remove. 
I spoke to XXXX credit Bureau, they told me to contact the company who pulled the credit file, or I call individual company. 
My credit is ruined by these marketing guys, My son XXXX years old goes to college, he is on XXXX, I am trying to get a vehicle XXXX but due to many unauthorized inquiries and negative impact on credit report I am declined for that and also for other financial help I try to get some loan. Please help me I am not able to deal with big companies they do n't care and do n't want to listen what I am saying. For me and my XXXX son its very important to remove from my credit repot. 
I would appreciate for your kind help, you can see in attached lists how they have pulled my credit report. Not only me but my XXXX ( I am XXXX ) family and specially my son who is XXXX XXXX at XXXX ( XXXX XXXX XXXX ) who really needs transportation and van XXXX, due to too many unfair and unauthorized inquiries. 
I have attached XXXX files, includes all XXXX credit Beureaus Consent to publish the description of what happened? Consent provided Supporting documents Unauthorized Inquiries list XXXX XXXX XXXX Bearues.docx ( XXXX ) credit iquiry XXXX Beureaus.pdf ( XXXX )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/22 I received an alert from my bank concerning a new inquiry from Discover. I don't need another credit card and I went to my bank for guidance. They told me to call 1 of the credit agencies and I called XXXX to put a freeze on my accounts. I did and was told that he would alert the other 2 agencies as well. 
Today ( XX/XX/22 ) at XXXX I got a call from Discover ( XXXX XXXX ). She informed me that someone was using my S.S. # and my credit report to obtain a Discover Card in Utah. She gave me the application # ( XXXX ) and told me to file this report. She also told me that I needed a copy of this report and my I.D . to be faxed to Discovery ( XXXX ) in order to prosecute this individual. I don't know why? I'm the victim here. 
I was scammed for {$29000.00} on XX/XX/22 by a guy named XXXX ( XXXX ) and reported it to the FBI ( of which I haven't had and response from ) so I don't take any chances. I have changed all my passwords, scrubbed my computer, got a VPN for my devices and go to the bank as soon as I have a concern.
Complaint sub-issue: Information belongs to someone else

I have been trying to resolve this matter with XXXX since XXXX XXXX without success I have requested validation/ verification of account/debt the company or credit bureaus have not submitted me with requested documents to support account/debt ; nor has this negative account been removed from my credit file. I do no have a contract with them ; nor am I responsible/ liable for the account/debt form this company in the amount of. My desired outcome is a settlement. The settlement offer is removal from all credit files and cease/desist all further collection activities.
Complaint sub-issue: Public record information inaccurate

Response to the letter I was sent form United States bankruptcy court eastern district of Wisconsin office of clerk dated XX/XX/2022 XXXX
Complaint sub-issue: Changes in terms mid-deal or after closing

On XX/XX/2019 I purchased a new Tesla  via Tesla Financing. I signed paperwork and took the car. Weeks later I was told they had an issue with the application. I found out they had lost my data. After many emails, long wait times, Tesla disabling my key when I needed it to drive, and other issues, it took them 2 months to resolve the issue only partially. I am a very well qualified buyer so there is no issue on my end. 

My temporary plates expire in less than two weeks and Tesla will not help me in finding a solution. They are not writing or calling me back. 

They do not communicate properly and in a timely manner with their customers. This negligence should not come without consequences.
Complaint sub-issue: Information belongs to someone else

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$9100.00} ; XXXX XX/XX/2021
Complaint sub-issue: Reporting company used your report improperly

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Complaint sub-issue: Their investigation did not fix an error on your report

No open account associated with these inquirys and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. 

update my information and remove this incorrect data my name is 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 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 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: Information belongs to someone else

XXXX XXXX I pulled my free annual credit report,  after going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX XXXX opened XX/XX/XXXX with charges of {$16000.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}, XXXX XXXX opened XX/XX/XXXX with the charges of {$1500.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$4000.00}, XXXX opened XX/XX/XXXX with charges of {$6000.00}. I have filed a complaint with the FTC please see attached complaint report.
Complaint sub-issue: Public record information inaccurate

Hello, my name is XXXX XXXX. This complaint is in response to an account your company is furnishing to my credit report. Your company is furnishing a bankruptcy to my consumer report INACCURATELY. Section 611 of the FCRA states you must verify, modify, or delete inaccurate information from a consumers consumer report. The Account Is labeled US BANKRUPTCY COURT which is inaccurate. Furthermore, I have attached a letter from the bankruptcy court stating they do not share or verify information with anyone. I am aware that LEXISNEXIS can not verify this information with the US BANKRUPTCY court therefore this account should promptly be removed from your records. It is also your responsibility to notify XXXX, XXXX, and XXXX. Failure to comply will leave you civilly and criminally liable.
Complaint sub-issue: Old information reappears or never goes away

There is one closed collection account by XXXX XXXX XXXX XXXX XXXX that Equifax is refusing to remove from my credit. I challenged the incorrect information with the company which once they were not able to VALIDATE the debt as mine, they have sent all 3 credit bureaus a letter back in XX/XX/2017 to remove their agency from my report. XXXX and XXXX have done so, but equifax is still refusing to remove this inaccurate information from my credit report. This inaccurate account is effecting my credit score which has become very frustrating to deal with.
Complaint sub-issue: Information belongs to someone else

I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report.
Complaint sub-issue: Billing problem

My car was stolen on  XXXX / XXXX / XXXX  it was reported by th e NYPD since  it was in there possession due to an alleged dwi arrest on  XXXX / XXXX / XXXX  I was notified by the bank on  XXXX / XXXX / XXXX  that it was reported stolen the  NYPD never n otified me I had already retained an attorney  XXXX   XXXX  to have the car released unaware that it had been stolen. I went to the precinct that seized my car on  XXXX / XXXX / XXXX  they gave me all the paperwork to have my plates reported stolen  at NYS DMV  I did that I reported it to the insurance on  XXXX / XXXX / XXXX  I called the bank flagship credit acceptance and advised them that it was in fact stolen. I have been called twice by  XXXX  a supervisor at flagship stating I stole the car to return it or I had to pay {$2000.00} to have them find it and once they recover the car they will sell it and terminate my loan as non payment. I have been making my payments monthly from  XXXX  and still making them since the insurance company refused to cover the lost because t he NYPD is responsi ble so my attorney  XXXX   XXXX  has already file suit against t he NYPD for the co st of the car. If I have to continue paying the monthly loan payment I understand and will payoff the loan when we are awarded the money from the city but what I do n't understand is flagships harassing business practices the threats and accusations when I have done everything and have proof of what happened to the car.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is reporting incorrect information on my credit report on XXXX different creditors trade lines. I have tried multiple times to submit a dispute online on their website but it keeps giving me a message that says " We are currently unable to process your request!. The information you have provided does not match our records ; therefore we are unable to process your request online '' I have tried multiple times to call Equifax but have held for as long as XXXX hour without getting anybody on the phone. I assume this is because of the high volume of calls that they are receiving due to their security breach. Out of the XXXX major credit bureaus, Equifax is the only XXXX that is reporting this information incorrectly. I am extremely frustrated that I have been unable to resolve this and need your assistance as consumers should not have to get this type of runaround when trying to get something on their credit report resolved.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

The company called ERC - Enhanced Resource Center - calls me several times a week asking for someone named XXXX XXXX. I don't know who that is. Maybe he had my phone number before I got it last XXXX of 2019. I keep explaining to them that I am not XXXX XXXX and that I don't know anyone by that name, but they keep calling me. They have even given me XXXX XXXX XXXX  account info - reference number XXXX - which seems really messed up as I am not XXXX XXXX. I have asked them each time they have called to please take me off of their list, and I have reported this company to the FTC as I am on the Do Not Call registry and to the XXXX  as I don't think companies should be allowed to treat random innocent people like this. The harassing calls keep coming and there seems to be no way for me to get them to stop. I am not XXXX XXXX. I don't owe a dime of debt to anyone ( never have in my life ). I don't know why I am being harassed by these people. I just want them to please stop.
Complaint sub-issue: Account status incorrect

In XX/XX/2018 Hurricane Irma hit Florida and Lenders offered the Natural Disaster Relief program where three months of car payments were deferred to the end of the loan. When I called Ally to inquire about this program in XX/XX/XXXX the representative stated that I did qualify and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments did not need to be made as they would be moved to the end of the car loan and that my {$430.00} payments would resume in XX/XX/XXXX. Following this conversation and a couple weeks later I began getting phone calls stating I was late with car payments all the while this arrangement was documented. Then my credit score is negatively affected because it shows I am delinquent those 3 months which obviously was an arrangement through the National Disaster Relief Program. I have contacted ALLY multiple times since mid XX/XX/XXXX to clear these issues and it has not been taken care of.
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. 




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: Problem with personal statement of dispute

Collector : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$340.00} Collector : XXXX XXXX  Account Number : XXXX, XXXX Balance : {$320.00}, {$320.00} Collector : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Collector : XXXX XXXX Account Number : XXXX Balance : {$230.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I've been working on these accounts and I'm on my fourth dispute letter. I still see some information on the items such as the date of last activity which is reporting on three different dates. There is only one original source so the dates should be the same for all three bureaus. The XXXX XXXX XXXX is reporting on three different dates. I have asked the credit bureaus to re-investigate the account and correct the reporting but there have been no changes at all to their reporting.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I have tried several times to speak with them through email and the woman that replied and refuses to respond to any messages or answer any questions.. calling direct express over the phone proves to be difficult ... I still have transactions that I did not make them because she's ignoring my messages more Time is passing and I won't be able to dispute these charges if I wait any longer ... The last set of disputes that I did I never got a letter I got one letter stating that they didn't see no error. Yet the charge was made in XXXX all of their letters always state that they see no errors. I'm now speaking with a supervisor XXXX i'm still getting nowhere. 
I can only speak through email because I am mute. It is better for me that I can explain myself what's going on ... can someone please take the time to speak to me through email.
Complaint sub-issue: Problem with customer service

In early XXXX I called FedLoan Servicing to get switched to Income Based repayment. They said they would send me forms and I never received them. I then called in late XXXX and they told me to complete the process online. I then completed the process online. On XX/XX/XXXX, I got an email from them saying they were missing documentation of my payment history. On XX/XX/XXXX I emailed them back after I verified the document they claim was missing was part of my upload package. I never received an email back. On XX/XX/XXXX I then received an email saying my recertification would not be processed until XX/XX/XXXX but, I had not applied for recertification, I had applied to be put in the IBR program. Currently my loans are delinquent because I can not afford the " standard '' repayment. The servicer has not responded to any of the emails I sent and are unhelpful when I try to contact them in any other fashion. I applied to be put on IBR jointly with my wife 's and we are both having this issue.