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

( DISPUTE CODE - XXXX  ) ( DISPUTE CODE - XXXX  ) My personal information was stolen in XXXX, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX XXXX  : XXXX XXXX : XXXX-Equifax XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX-Equifax XXXX XXXX  : XXXX XXXX XXXX : XXXXEquifax XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX  XXXX XXXX-Equifax XXXX XXXX XXXX  XXXX-Equifax XXXX : XXXX-Equifax XXXX XXXX XXXX  : XXXX-Equifax XXXX  : XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX-Equifax XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX 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 handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Complaint sub-issue: Old information reappears or never goes away

XXXX, XXXX, and Equifax show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$0.00}, Paid, closed, 32 late payments This account was closed and charged off years ago. 
It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, Aqua Finance, Account Number XXXX, has violated my rights to fairness and privacy. 

At no time did I agree this transaction be disclosed : -15 U.S. Code 1681, Title 602, Section ( a ), outlines my right to fairness and privacy At no time did I direct the creditor to furnish any reports, either in writing or otherwise : -15 U.S. Code 1681, Title 604, Section ( a ), Paragraph 2, further states that a consumer reporting agency may furnish an account only with my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

Please see attached Letter outlining all dates and violations and concerns
Complaint sub-issue: Debt was paid

I haved filed with Complaints against XXXX with Consumer Financial Protection Agency against XXXX and now XXXX is damaging my credit and harrassing me everyday and nights and weekends in trying to collect a debt l do n't owed since 2015. 
My last filed complaints with Consumer Financial Protection Agency was filed on around XXXX XXXX, XXXX.filed XXXX complaint # XXXX. 
XXXX has collection company lC System Inc harrassing me on my cell phone XXXX and leaving voice messages. 
I am on XXXX XXXX XXXX and XXXX. 
I am taking prescribed medications. 
I am also a XXXX Military Veteran. 
Under my XXXX XXXX XXXX Act Laws Civil Rights XXXX or IC System Inc can not collect no debt under Federal Government mandated XXXX XXXX XXXX Laws Civil Rights and XXXX XXXX and XXXX can not display collections on my credit report. 
This is a Federal Government Consumer violations of the XXXX XXXX Laws implemented by Congress XX/XX/XXXX.for XXXX Act.
Complaint sub-issue: Debt is not yours

Item # 1 : XXXX XXXX  Item # 2 : XXXX XXXX XXXX This is my second dispute for the above items, and these items have yet to be verified as the law requires. I have never heard of these companies, nor have I ever had a contractual obligation with either of them. After requesting for these accounts to be validated, I have yet to receive any documentation from either of these companies such as : a signed contract showing that I entered into a contractual obligation with these two companies. According to the FTC, you are breaking the law by continuing to report unverified inaccurate items on my credit file. I am asking for each of these items to be deleted immediately. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. If this is not deleted, I will be left with no other choice but to pursue litigation.
Complaint sub-issue: Old information reappears or never goes away

I have XXXX XXXX XXXX XXXX XXXX and never had a school loans and department store credi i use XXXX XXXX XXXX  XXXX stolen my records social security number and XXXX XXXX they ping my phone and I want it to stop I have people tap my phone
Complaint sub-issue: Problem during payment process

I have a balance on my Upgrade credit card of {$3700.00}. I went to the website to schedule a payment for XX/XX/2022 ( the bill is not due until XX/XX/2022 ). The company will not allow me to make a payment before XX/XX/2022. 

When I called and asked why, I was told that because I have auto-pay on I can not make a payment before the auto-pay runs on XX/XX/2022. I was told that this is so people do not make double payments. 

However, what this actually does is make it so I will be charged 26.94 % interest on the portion of the balance that isn't paid off with the {$110.00} monthly payment. I could avoid that interest if they allowed me to make the payment now. But they will not do that.
Complaint sub-issue: Information belongs to someone else

I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Equifax, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax, XXXX and XXXX  did not provide proof or verify that these accounts are mine.  I sent in letters 60 days ago asking that Equifax, XXXX and XXXX verify the accounts with my signature on them and they failed to do so. 

Below the uploaded documents also shows that the payment history are not the same faulting in inaccuracies on my credit report for all three of credit bureaus Equifax, XXXX and XXXX. Therefore I ask that the accounts are removed.
Complaint sub-issue: Fraudulent loan

The referenced lease was obtained using the attached fraudulently signed document. The signatures on the attached document ARE NOT my own. Ally is abundantly aware that this lease was obtained by the dealership submitting fraudulent documents. To be 100 % clear, this complaint is in no way related to any previous complaint and requires a response other than " we already looked into it - nothing to see here ''.
Complaint sub-issue: Information belongs to someone else

I've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, phone and SSN being furnished on my consumer report. I demand that the inaccurate information is to be remove and update in a timely fashion.
Complaint sub-issue: Debt was paid

I have an attachment of how much is owed to this debt collector the debt collector is velo law office in XXXX XXXX Michigan I only owe XXXX  and they basically garnished my entire state tax return in the amount of XXXX dollars they are not entitled to my whole entire tax return all I want is for them to send me the money they owe me back
Complaint sub-issue: Information belongs to someone else

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX- XXXX {$440.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX/XXXX XXXX XXXX XXXX  XXXX {$920.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX {$650.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$450.00} XXXX  XXXX XXXX {$690.00} XXXX XXXX {$1000.00} XXXX  XXXX {$16000.00} XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$1700.00}
Complaint sub-issue: Investigation took more than 30 days

Hello, I reviewed A copy of my credit report and it shows the inquiries above are fraudulent and i have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home. 

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  - Equifax XXXX Equifax XXXX - Equifax XXXX - Equifax
Complaint sub-issue: Account information incorrect

I've contact the company regarding the late payment that was incorrectly reported and the update was supposed to be taken care to remove late fee status to current, but hasn't been resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, there was several bills that was place on my credit that I have disputed to be remove off. Two of the bills for the amount of {$370.00}. I have no knowledge of these bills. I stated to the credit bureau and also the collection agencies about these two bills. They still haven't removed these bills from XXXX or XXXX. I have a medical bill for {$1200.00} which was not my fault, it was the hospital mistake. They sent my lab work to unauthorize XXXX with my insurance did not approve. I had made several complaints about this issue with thr insurance agency, the hospital, and my doctor 's office and still the bill is still on my credit for me to pay. I would love for these bills to be remain of my credit immediately thank you. 
I'm total lost with these bills.
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX i checked all three of my credit reports and discovered that in XX/XX/2022 my old roommate opened a credit line from XXXX XXXX Bank for {$2000.00} and charged {$2500.00} on it in total. I did not open this account and am reporting this fraud. I have reported this to the Federal Trade Commision report number XXXX
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance {$7900.00} ; XXXX, XXXX, XXXXXXXX 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 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

i am a victim of identity theft and my name was used for a loan with company XXXX XXXX XXXX XXXX  i have reported it as fraud and it has been removed from my experian and transunion report but equifax won't remove the account. it is XXXX XXXX XXXX and is causing detrimental effects on my credit report and my ability to qualify for credit. i have done all that I've possibly can to have this issue resolved and nothing is seeming to work. equifax has also been reporting false balances and false credit scores to companies and have caused me to be denied credit that i am sure to be approved of if they were to report the correct information
Complaint sub-issue: Their investigation did not fix an error on your report

Requested debt validation through the 3 major credit reporting bureaus as well as XXXXXXXX and neither party provided debt validation ie a contract with my signature or ID to verify that the debt was acquired by me. The credit reporting agency just stated it was verified and did not provide details of their investigation. XXXX only sent letters stating the debt as sold and refused to furnish any other information telling me to contact a company they sold the debt to.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XXXX/XXXX/XXXX, I received a mail letter from XXXX XXXX, notifying me that I had a late payment on my credit card account. I immediately made full payment which was owed on the same day. Then I applied for a home loan equity during XXXX XXXX, and was informed by my loan specialist that a late payment was posted on my credit report for XXXX. I immediately tried to dispute with XXXX XXXX, considering that the late payment happened in XXXX and I was not notified until XXXX, the same time with when they reported to the Credit Bureau. I also had auto payment set up on that account and it did not work. Even now, I had to manually make payment every month because the auto pay function is still not working. I tried to contact XXXX XXXX  XXXX member service twice and they only sent me a general response and kept asking me to give them more information, which I already did. I already made request twice to them that the false report has to be removed from my credit report. They did not want to acknowledge the fact that the had failed to give me proper notice within 30 days when the incident happened. I was not allowed the proper time to act on it. 
This false late payment report has hindered me from closing on my equity loan, which resulting in thousands of interest I had to incur during this time.
Complaint sub-issue: Information belongs to someone else

Hello, I want to explain you the situation happened with me. 

I have account in credit report that is not mine. My report was brilliant until the day when bureaus, because of their poor reporting, put this account into my profile. This account is incorrect and not mine. So I ask you to take appropriate actions and apply investigation because it seems like Identity theft case. So I ask you to remove this item as soon as possible. 

Account number is below : XXXX XXXX XXXX XXXX
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 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 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 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 n 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 XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Public record

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Equifax was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Complaint sub-issue: Information belongs to someone else

This problem is with XXXX and Equifax. My information appears to have been mixed with someone whose SSN is one different from mine. I can not speak with a representative to get more information because while my information is listed on the report as the " previous name, '' my correct name is not the primary on the report. My score dropped by more than XXXX points because of this.
Complaint sub-issue: Problem getting your free annual credit report

As a part of EquifaxXXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) XXXX is not available as an option, it is grayed out so it cant even be checked. 2 ) Equifax makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 ) XXXX - after filling out the required form, I am sent to XXXX 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH XXXX XXXX PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from XXXX and the other 2 .... WHAT THE XXXX GUYS! THIS IS INSANITY AND XXXX. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Other problem

Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX