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

After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX - 1.XXXX XXXX ( XX/XX/XXXX ) and 2. XXXX XXXX ( XX/XX/XXXX ).

EQUIFAX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX ( XX/XX/XXXX ) 5. XXXX XXXX  ( XX/XX/XXXX ).

XXXX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3.XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX  (XX/XX/XXXX 5. XXXX  ( XX/XX/XXXX).

Please dispute these inquiries or contact the reporting agency and request removal of these unauthorized inquiries.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a 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: Denied request to lower payments

There are two parties on the loan account for a XXXX XXXX XXXX financed through Gateway. We have tried to be refinanced, but the bank refuses to do refinancing and we are now subject soon to repo. The primary person is not the owner of the actual vehicle, but the co signer is. The way the car dealership got us approved was by placing XXXX XXXX as the cosigner, instead of the primary. 

XXXX XXXX is currently and has been actively on SSI XXXX. Due to the high monthly note, we have had to already extend our contract by two months. We have also received numerous calls. We have been told that if we don't secure payments, we would be subject again to repo prior to even the dates of when a repo can actually start to take place. We tried the other day to cancel a secure payment ( which we were forced to do as they said we have no other option, and would be up for repo if we didn't " secure '' a pre planned payment ) because of health issues that just came up, and in fact we almost couldn't afford to pay rent this month. But, they have once again refused. 

We can't afford to have no vehicle as well as a repo. Please help. We have tried trades, selling privately, refinances, etc. We have even tried to apply to transfer debt to credit card and got denied. 

Also, ever since we got the vehicle we have had concerns on the loan due to the numbers seeming to not be correct, but the dealership and bank said they are ... but .... please see.The loan even includes a XXXX trade POSITIVE equity. 

The dealership said the bank and them were fine with us heading out after the deal and we could just show insurance proof later on, also.
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 Equifax to validate these 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 following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX 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

There are 6 Accounts on my credit report that do not belong to me I have not used or know what these accounts are I need these off my credit report ASAP!!!!! 

XXXX XXXX XXXX  - Acct # XXXX Amt {$1000.00} XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX  - Acct # XXXX Amt  {$67.00} XXXX XXXX- Acct # XXXX Amt {$0.00}
Complaint sub-issue: Debt is not mine

A company called Finex called me a few weeks ago about an outstanding car towing debt from a car I do not own nor has it ever been in my possession. Now they reported it to the credit bureaus significantly impacting my credit score.
Complaint sub-issue: Account information incorrect

Both the financial institution " XXXX XXXX '' and the Consumer Reporting Agencies involved, have violated my rights as a consumer under the US Code, Title 15 USC 1681b ( a ) ( 2 ). I have never given written consent for this information to be shared or furnished on any public domain. They have also violated my rights under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by publishing information regarding transactions between the consumer and the reporter. 
They have published an alleged late payment as XXXX days late in the month of XXXX, 2020. 
I have filed disputes directly with the XXXX  and had no resolution. 
I have also called XXXX XXXX and spoken directly with a representative while still reaching no resolve. 
This information has repeatedly hindered my ability to operate in commerce.
Complaint sub-issue: Their investigation did not fix an error on your report

The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Equifax violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

The car was purchased by my son on XX/XX/XXXX from Regional Acceptance company. I was used in the loan for my income for a year. My son was murdered on XX/XX/XXXX in the car. I contacted them to luck the car up after he was murdered and was told that I had to wait until the payment became late to have car picked up by them. I received a letter stating that the car was sold at an auction for a smaller amount. My concern is that I was supposed to only be on the auto loan for a year and they are still reporting this {$11000.00} debt under my name. This is unethical and unjust. I also sent them a copy of my sons death certificate to add to the file. Im not responsible for this debt and these reports are hurting me tremendously.
Complaint sub-issue: Deposits and withdrawals

I am being asked to verify my account using 10+ year old phone numbers that I no longer have access to. I have money in my account I need to pay bills THIS WEEK. However, they are trying to force me to wait 7-10 days for a letter to verify.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX  XX/XX/2021 XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021
Complaint sub-issue: Account information incorrect

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account has never been late and the balance that you are reporting is incorrect. see attach documents as proof of this information being incorrect. 

XXXX XXXX XXXX This account has never been late and the balance that you are reporting is incorrect.
Complaint sub-issue: Reporting company used your report improperly

Hello, I had noticed that a previous bankruptcy was reported to the bureaus without my consent nor permission. This has violated my right to privacy. I mailed a letter to LexisNexis to advise them of this and I have not yet heard back. The bankruptcy was a discharged in 2019. This has prevented me from being able to use my credit for anything.
Complaint sub-issue: Problem with personal statement of dispute

Last XX/XX/XXXX my ex husband was late on the car payment with XXXX XXXX XXXX XXXX, Because he was not on time with his payment my credit score and report were and are still being effected. His failure to comply with court orders is preventing me from moving on and providing a place for our daughter and myself a place to live. I have worked very hard to repair my credit and have had no late payments in 4 years except this one from my ex husband. I believe that in goodwill the derogatory report should be removed because it was not my fault and the vehicle should have been out of my name if the ex had followed court agreements 2 years prior to the late payment in XXXX. I still have to suffer because of his negligence even though we are no longer married. In XXXX there was a court ordered agreement that he insisted on keeping the vehicle a XXXX XXXX XXXX. He agreed to have the vehicle refinanced and my name removed from the vehicle loan which he failed to do by XX/XX/XXXX. I filed for our divorce and included in our separation/divorce agreement there were two separate times he again agreed to have the car refinanced and my name removed from the vehicle. Which he failed to do, I filed with family court a '' Rule to show cause '' why he was unable to follow through with our legal agreement. the court gave him 4 months to have the car refinanced. We were scheduled for another court hearing on XX/XX/XXXX he did not appear for the hearing and claimed he was out that day having the car refinanced. He was able to refinance the car and have my name successfully removed. The loan with XXXX XXXX was paid off that was the only late payment ever made on the account. I would like to put this behind me and move on with my life.
Complaint sub-issue: Problem with fees

Hello, I recieved a prepaid visa card in the amount of {$50.00} in late 2016. I tried to use it today only to find out that the company has been charging an " inactivity fee '' of {$2.00} per month. 

The balance on this {$50.00} gift card is now {$18.00} simply because I haven't used it. 

I looked into state law where I reside, Colorado, and found that such fees are unlawful. 

See : XXXX XXXX XXXX I called the company, XXXX ( a subsidiary of US Bank ) , and they informed me that their computers show that gift card balances in Colorado are able to be charged fees. 

The employee I spoke to who said this is : XXXX, ID # XXXX XXXX XXXX This is a clear violation of not only the law, but morality. The money is trivial, but the principle upon which they're pilfering from innocent people is sickening ... 

There was no apology, only circular logic read from a script as to why the fees where charged.
Complaint sub-issue: Reporting company used your report improperly

A little over a month ago I had my first ever fraud committed on one of my credit card accounts. I did n't know how they got the information at the time, but I spent a great deal of time sort the issue out. Now I know it likely had to do with the Equifax data breach, and event which I was not notified of and could take no action. 

Equifax mishandled my information which has led to a breach that likely caused fraud on one of my accounts and has the potential to put my financial standing at risk. I am extremely disappointed with how Equifax has handled reporting this breach, as I had no knowledge of the breach until it came out on major media platforms platforms this week. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discovered it via social media. 

Going forward Equifax should be required to monitor every breached account and notify any victims if fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with on a hastily prepared website. Additionally we should not be forced to accept the terms from a company that unintentionally released the data of millions just to fix the potential life-altering consequences of this breach.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX & Equifax are refusing to correct all fraudulent & Identity theft accounts on my credit report. Neither Credit Reporting Agencies are Abiding with FTC rules, 609, 605, 607, 611, and 623. I have been in a constant battle with ALL THREE CREDIT REPORT BUREAU’S. My credit report was compromised and/or breached with my information. Equifax, XXXX, and XXXX have repeatedly ignore FTC rules for conducting investigations by the consumer, also neither agency has provided me with their Method of Verification I'd requested excluding verification by e-Oscar is not acceptable. Each Credit Reporting Agency- stated, the Bankruptcies found in Public Records were verifed by the furnisher "US Bankruptcy Court XXXX TN", which is highly unlikely according to the US Bankruptcy Court XXXX TN. I have filed Identity theft/Fraud Affidavit with the FTC and the IRS in hopes to Block Fraudulent Accounts on my Credit Report. I will attach all documents with FTC. I included an Expedited Correction of 10 days or less from today's date 09/09/2019. This matter has been going on for over a year. I am asking for this matter to be resolved IMMEDIATELY.
Complaint sub-issue: Their investigation did not fix an error on your report

I am experiencing great difficulty in getting Equifax to comply with my dispute request per the FCRA guidelines. I have submitted verification of my address change ( i.e. lease ) and have notified Equifax that my information has been compromised to obtain a XXXX Credit Card which is currently in default. I have provided Equifax with a copy of the FTC report, my current lease ( I have resided here since XX/XX/2017 ) and a notarized statement but have been unsuccessful in my continued efforts to have this fraudulent account removed from my credit report. 

In speaking with an Equifax Supervisor today named XXXX, she informed me that the account was not removed because XXXX XXXX XXXX was able to verify my identity ( name, social security number, date of birth and " former '' address ). I tried to explain to XXXX that the address on my credit file is incorrect and has been so since 2017. I tried to explain to her that Equifax has been provided with copies of my current lease. I even tried to explain to her that I also provided verification from XXXX that confirms that my data has been breached and compromised on the dark web ( as well as breached with Equifax ) which would explain why it was so easy for this fraudulent account to be opened as well as XXXX to be able to " allegedly ' verify my identity. 

Moreover, herein lies the issue, PER section 609 of the FCRA, I have the right to be provided with the documentation that the Furnisher sent to Equifax as evidence that the XXXX credit account is correct. This verification has been requested several times and Equifax has failed to provide it which is against the law. 

As such, I am demanding that the following account listed below be immediately removed from my Equifax credit report. 

XXXX XX/XX/XXXXXXXX
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I initially sent an email to Credit Karma on XX/XX/XXXX because my XXXX report hadnt updated since XX/XX/XXXX. I received an email that it was escalated to the appropriate team. One month later, I am still awaiting a voluntary response from Credit Karma. I have to send emails and still get the same stock answer, it is already being reviewed. I decided to cancel my account. Foolishly I had opened a Credit Spend account ( which had a XXXX balance ), which was preventing me from closing the CK account. I called and requested this to be closed right away as I didnt wish to do business with this company any longer. After the phone call I had to answer some questions in an email that was sent. I answered the questions and I got the response that THIS request also had to be escalated. I sent an email today that I am revoking my permission to have them access my personal information. I am sure it will do no good, so I came here. Hopefully you can help. 

XXXX XXXX SSN XXXX. DOB XXXX XXXXXXXX XXXX
Complaint sub-issue: Account information incorrect

BEST BUY/CBNA XXXX payment reflected on XX/XX/2020 on my three boroughs. This is not correct. I have made all my payments on time. As you can see on my history all payments are current. I had my account in automatic payments as well. This is an internal issue with Best Buy.
Complaint sub-issue: Deposits and withdrawals

XX/XX/XXXX My Citibank checking account balance was {$50000.00}. I initiated a {$25000.00} transfer to my XXXX XXXX account. The money went to XXXX XXXX and they disbursed it as I requested. On XX/XX/XXXX at XXXX p.m. I received insufficient funds notice from XXXX XXXX that Citibank had reversed the transfer. At XXXX p.m. I received e-mail from Citibank that my transfer had been canceled. I called Citibank immediately and was told I would have to wait till Monday & call a different number. On Monday I called & first XXXX people I talked to hung up on me because I was asking why transfer was canceled. Next person I talked to transferred me to an " account specialist '' who transferred me to someone named XXXX who also hung up on me when I wouldn't accept his answer that he couldn't tell me why transfer was canceled. He said he could see the account but would not tell me anything. He said a letter was sent to me on XX/XX/XXXX. I called back and got someone else who said they were sending a letter that day & they couldn't tell me anything until I got the letter. Said I will get it 7-10 business days. I asked for a supervisor & was told a fraud supervisor would call me back in XXXX hour. I got no call. Called again & XXXX said he would call me right back. He did not. I had now been on the phone all day. I called back at XXXXXXXX XXXX. & XXXX told me supervisor XXXX would call me back in XXXX minutes. She did not. At XXXX p.m. after holding for XXXX minutes XXXX said someone would call me back. No one did. I started all over again the next day & spent all day on the phone again. Someone who said his name was XXXX transferred me to another fraud department. I got XXXX who told me no one can see my account until I get the letter they supposedly sent on the XXXX. I finally gave up and decided to wait the 10 days to receive the letter they supposedly sent. It has now been 14 days and I still haven't received a letter. During this whole process I had asked several times if they could send me a certified letter or XXXX so I could go ahead and get this mess straightened out. They always refused. I called back once more today ( XX/XX/XXXX ) and got a recording that the bank was closed. NO ONE WOULD TELL ME WHY THE TRANSFER WAS CANCELED AND THEY STILL HAVE NOT RETURNED THE FUNDS TO MY CITIBANK ACCOUNT.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$610.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Account information incorrect

Re : Formal Compliant Against Nelnet, XXXX, XXXX and XXXX XXXX. 

To Whom it may Concern : This a formal compliant against the Creditor Nelnet, and the three credit bureaus XXXX, XXXX and XXXX XXXX. They all have failed to send a written correspondence within 30 days and violated the FCRA & FDCPA laws. Nelnet was sent a certified letter on XXXX, and it was received on XX/XX/XXXX and signed by a Nelnet employee. I have not received a correspondence letter back from them. I sent the next letters to the XXXX, XXXX   and XXXX XXXX, to address the inaccurate reporting on on my credit file, but theses bureaus have not sent me back a written correspondence to get a resolution to the issues that are very negative on my credit report. For all three bureaus letters were sent certified on XX/XX/XXXX and delivered on XX/XX/XXXX and signed by each of their employee 's. I have failed to received any correspondence to address this inaccurate information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, listing the following accounts has violated my rights. 

XXXX XXXX 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 XXXXXXXX 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: Debt is not yours

In XXXX, I switched my phone service from XXXX to XXXX. XXXX offered a promotion to pay off any balance owed to an individual 's current provider to switch to XXXX. I went into the XXXX storeand confirmed with a XXXX representativethat XXXX would pay XXXX. The representative assured me that no further action was required from me. 

In XX/XX/XXXX, I received an email from XXXX stating that my account was delinquent and in collections. This was the first I received notice that XXXX had not paid the {$270.00} balance, since speaking with the XXXX representative in the store. I called XXXX to explain the situation. After several phone calls between XXXX and XXXX, XXXX agreed to issue a pre-paid visa card with the amount listed on the final XXXX bill. I then called XXXX to have them send me a physical copy of the final bill. I explained that XXXX would pay the outstanding amount with a copy of the final bill that enumerated the unpaid amounts. XXXX refused, stating that they no longer had that information on file because my account had gone to collections. I subsequently sent XXXX a letter requesting that they validate the debt, which did not happen. 

I ran my credit score through XXXX  recently and discovered that a new company, XXXX XXXX XXXX , XXXX, appeared as a negative report. I contacted XXXX and learned the they were attempting to collect the XXXX bill, despite providing no notice aside from damaging my XXXX XXXX. I explained the situation to the XXXX representative, but the representative simply repeated his generic script. Speaking to a manager resulted in a similar unwillingness to help rectify the situation. 

In short, I am at the mercy of these companies. I have attempted to resolve this issue with XXXX but have been met with indifference. XXXX continues to demand payment from me for a debt that belongs to XXXX, evidenced by XXXX  willingness to issue payment for the debt. My credit score continues to suffer harm simply because due diligence is inconvenient for XXXX.