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 November 22, 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 Free XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX, 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 XXXX XXXX XXXX XXXX, MA XXXX SS # ENDING IN XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this account that appears on my XXXX and Equifax credit file with XXXX/XXXX  multiple times. Each time they respond that the account is being reported accurately across multiple credit bureaus which is totally incorrect. Some details : XXXX I disputed I was never late on this account and they in turn Updated Paymt History, Modified Add'l Info, Scheduled Paymt, Last Activity, Acct History. 
XX/XX/23 I again disputed and they in turn Modified Add'l Info, Actual Paymt, Scheduled Paymt. 

I have since noticed the payment is being reported as Late 60 Days across a variety of sources and listed as Variable/Adjustable Rate in comments which is incorrect. Account type listed as " revolving '' on one and " charge card '' on another. 

It is not my job as a consumer to find this companies errors. 

I have disputed this account multiple times with all three credit bureaus and they have failed in correcting the erroneous information. Since they continue to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, as a military service member I demand deletion of this account as this violates Fair Credit Reporting Act, FCRA section 611 and FCRA section 1681. Request your assistance in ensuring this action takes place. Thanks.
Complaint sub-issue: Old information reappears or never goes away

These items have been investigated by both the police as well as the credit bureaus and proven to be fraudulent. These items have since been removed from all 3 accounts but is now showing up again on my Equifax report as well as XXXX as a closed account. These fraudulent accounts appearing on my report is now harming me from properly utilizing my credit. These items need to be removed and blocked from being able to re-appear on my report at a later date as they are not mine.
Complaint sub-issue: Sent card you never applied for

Hi I received a credit card I never applied for with Citibank. The card was also made to my name and an additional card was sent with with same number to another name. I do not know this person at all. The credit card was also sent to an address I do not live at. It was sent to where my parents live. I tried to talk to Citibank regarding this and they were if no help. They would not do anything unless I gave them my social security number which I would not do. I did not apply fir this card at all. I do not want this card. I am very worried as again 2 cards were sent to me one in my name and one to another person to same address with same credit card number. Please see attached documents. Thank you
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft and I am hoping the fcra and the consumer protection bureau can assist me in getting my financial life back together. The Credit Bureaus are not doing the right thing here. All the accounts listed below are fraudulent and should be deleted immediately : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX BANK Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX Account Name : XXXX 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 Account Number : XXXX [ Please remove THE ADDERESSES LISTED BELOW ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/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: Their investigation did not fix an error on your report

I made the following payments on XX/XX/2020 to these debt collectors and they are referenced on my redacted bank statement which is attached : XXXX XXXX for {$290.00} ; XXXX XXXX for {$390.00} ; XXXX XXXX XXXX for $ {$1000.00} and ; XXXX XXXX XXXX XXXX XXXX for {$140.00}. 

Then I made the following payment on XX/XX/2020 to : Enhanced Recovery for {$320.00}. 

Then I made the following payment on XX/XX/2020 to : XXXX   XXXX for {$480.00}. 

These accounts have been paid and to date Equifax is still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to Equifax received on XX/XX/2020 and they still have not reflected the payments.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XXXX Opened this Closed Account without my permission.!!! See attatched XXXX 1099-C IRS CANCELLATION DEBT MC ending XXXX XX/XX/XXXX XXXX. THIS ACCOUNT WAS USED TO OPEN OTHER ACCOUNTS I DID NOT AUTHORIZE. XXXX XXXX XXXX XX/XX/XXXX *UNAUTHORIZED BY ME and XXXX end XXXX XXXX *UNAUTHORIZED BY ME THIS ACCOUNT IS ID THEFT FTC # XXXX XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account Name : XXXX, XXXX Account Number : XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX .... 

Account Name : XXXX Bank Account Number : XXXX .... 

According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX- all mortgage loan inquiries.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized Inquiries made on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have XXXX companies on my credit report that should not be on there. I have XXXX credit card and have never applied for a XXXX, XXXX, or CITI card in my life. I think this is fraud but I do n't know who to contact. 

XXXX ACCT # XXXX XXXX XXXX XXXX XXXX, FL XXXX Unpaid balance : {$70.00} CITI-XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unpaid balance {$26.00} XXXX ACCT # XXXX XXXX XXXX XXXX CITIBANK XXXX XXXX XXXX XXXX XXXX, SD XXXX {$26.00} XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Unpaid balance {$130.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX XXXX XXXX - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX XXXX XXXX - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX XXXX - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX Equifax Mortgage - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX XXXX XXXX  - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX Equifax Mortgage - XXXX did not authorize this inquiry. Please remove.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I sent certified mail to Equifax advising them of me being a victim of Identity theft and I do have the Certified Mail receipts. It has been over 30 days since EQUIFAX received my correspondence which contained my VALID DRIVERS LICENSE, Notarized FTC ID THEFT AFFIDAVIT, FTC Report and I have not received any other notices that the FALSE information therein was DELETED, and yet this FALSE inaccurate information still remains on my file with the last investigation
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX After several communication with the bureau regarding the inaccurate of those account, they claim to come back verified, which i never provided the mean and the documents using to verification which I had requested. Furthermore, i found out the inaccuracies were still present after they claim they fixed them. 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 an account without my written instructions.
Complaint sub-issue: Not given enough info to verify debt

HUNTER WARFIELD, INC has continued to report a past dept from XXXX to XXXX and back and fourth without offering me a settlement option in order to destroy my credit history, they where removed from my credit report for the same dept but later re-reported with an even higher balance and I would like to resolve this dept but am unable to because of no contact settlement information from this collection agency!
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX - I disputed these accounts with the all 3 credit bureaus and the creditor XX/XX/XXXX - I disputed contacted all 3 credit bureaus and the creditor XX/XX/XXXX - I contacted the creditor to dispute
Complaint sub-issue: Can't close your account

On XX/XX/2021, I requested to have a recent checking account closed. ETrades customer service representative provide incorrect procedures and processes regarding their checking account product. From day one, there has been one issue after another and resolving the issue is like pulling teeth. The representative repeat the issue several times without any coherent resolution. 
On XX/XX/2021, I received an email stating they could not close my account because of a negative balance of {$510000.00}. This is to cause further issue with closing the account. Although theres never been over XXXX in that checking opened 2-3 weeks prior, I reviewed the account to see there had been any identity theft on the account. This further my concerns that means there isnt any safeguards in the Financial Institution that is safe doe any customer. 
My concern with the closure of the account is the negative balance stated is my the checking number. THIS IS REALLY SCARY! Tells me there is dishonest and crooks working at E-Trade.
Complaint sub-issue: Billing dispute for services

Dates I left the apartments - XXXX XXXX XXXX XXXX XXXX - end of XX/XX/2017. There was nothing wrong with the apartment as I had everything fixed immediately. They got their keys and I thought I was getting my deposit back. 

Amounts They are saying I owe {$2300.00} in fees. I dispute every last {$1.00} as the apartment was flawless when we left. 

Actions I wrote them a letter when I received their letter stating I owe the $ $ that I do not owe them anything and I never heard a response and they have continued to report on my credit reports. I recently disputed it and it was removed from XXXX and XXXX  but then recently added back on. I tried to get a credit lawyer and they have not been able to help. I feel financially abused and it is causing me stress.
Complaint sub-issue: Can't decrease my monthly payments

I am writing this letter to request an account review for my student loans serviced by American Education Services due to my current situation. This is my last and final request. I have met with a bankruptcy attorney regarding these loans, and I was informed that I do qualify for a hardship exception based on my XXXX and limited XXXX income. I am prepared to file for bankruptcy XX/XX/2016 if National Collegiate Trust does not move forward and make an exception and forgive these loans due to my XXXX. I understand these loans do not have a forgiveness option. I did have other student loans with other companies which did not have a forgiveness option, and they chose to make an exception and forgive my loans anyway due to the severity of my XXXX and I am aware that National Collegiate Trust also has the discretion to do this. I have been XXXX for over 4 years and there is no cure for my life-threatening disease. I will have this disabling condition the rest of my life and will not be able to return to work and it will eventually result in my early death. 

Please seriously consider my request for loan forgiveness. Please feel free to contact me with any questions. 

Sincerely, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX/XXXX  Date of inquiry : XX/XX/2020 ; XXXX Date of inquiry : XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2020 ; XXXX Date of inquiry : XX/XX/2020 ; XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 ; XXXX  Date of inquiry : XX/XX/2020 ; XXXX  Date of inquiry : XX/XX/2020
Complaint sub-issue: Information belongs to someone else

These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

XXXX XXXX XXXX ( XXXX XXXX ) : XXXX I Disputed this account, and nothing was sent to me to legally verify this account.
Complaint sub-issue: Banking errors

Filed a dispute on a debit cart transaction on XX/XX/21 with PNC Bank for {$440.00}. 
Returned a mattress to XXXX 's furniture on XX/XX/21. {$440.00} XX/XX/21, PNC refused to credit my acct. 
XX/XX/21, spoke with XXXX from PNC Bank. Acct still not credited XX/XX/21 spoke with XXXX, then XXXX, acct still not credited XXXX, acct still not credited, XXXX 's still has mattress. 
XX/XX/21, no credit posted XX/XX/21 no credit posted XX/XX/21, claim closed, no credit poste, no explanation of reason??
Complaint sub-issue: Other problem getting your report or credit score

I can not access my credit report because it is confusing me with my twin brother. XXXX, XXXX, and equifax have not helped me at all.
Complaint sub-issue: Used obscene, profane, or other abusive language

I do not understand how they verified this account as being accurate when they have the wrong social security number noting in writing that I have sign with my social security number on it i talk to the original debtor because they inform me they had noting with my ssn on I they never report it on my credit report but also inform me if I paid the debt they would see that it is remove from the collection agency because I was in the process of buying a home and the debt was so low I agreed to pay for it and now I was unable to purchase the home because the collection agency would not remove this item from my credit report and they do not have my correct ssn number their paper work from the debtor they are still verifying as being accurate would like to get some help to have this remove from my credit report thank you
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 the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Problem making or receiving payments

I am trying to connect my checking account to a grant program for my small business. It is for the Pennsylvania Small Business Relief Fund. PNC is preventing this connection.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my XXXX  was stolen causing my score to drop n 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n 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 XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help
Complaint sub-issue: Account information incorrect

Account was charged off in XX/XX/XXXX. As of XX/XX/XXXX it is still being reported as a past due balance on my credit report, which is negatively impacting my ulitization score. This is unfair reporting because my credit score was  orginially impacted when the card was charged off in XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

I received a letter in the mail RE : What Does FCC FINANCE , LLC DO WITH YOUR PERSONAL INFORMATION. I called to let the company know that I do not want any of my personal information shared for any reason. I then asked the rep why did I receive the notice and asked did I have an account with them. Agent told me that the company has an open account in my name with a balance that should not be open. She advised me to send an email to request closing of the account.
Complaint sub-issue: Information belongs to someone else

I have been dealing with Equifax for several months regarding these fraudulent accounts and inquiries on my credit report. I talked to several people at Equifax Consumer Affairs Office such as XXXX and Ms XXXX and neither representative have removed these fraudulent accounts and inquiries from my credit report. 

Equifax negligence has caused me to not get job opportunities because they refuses to delete and remove these fraudulent accounts. I have sent several letters as well as faxes but Equifax refuses to remove accounts. 

Equifax has violated my rights by not removing and blocking these fraudulent account under FCRA within four days. Equifax is also violating my rights be reinserting fraudulent accounts back in 2014 on my credit report without notifying me within five business days. 

XXXX XXXX XXXX XXXX representative by the name of XXXX XXXX sent me letters stating for all three major credit reporting agencies to remove these fraudulent XXXX XXXX accounts from my credit report, but Equifax refuses to follow the law. This is why Equifax is constantly getting sued because they are refusing to obey and follow the law.