Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX   CHAPTERXXXXBANRUPTCYDISMISSEDXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. These accounts are reporting inaccurate! 

XXXX XXXX XXXX -- -- {$480.00} XXXX XXXX -- -- {$85.00} XXXX XXXX XXXX -- -- {$58.00} XXXX XXXX XXXX -- -- {$59.00} XXXX XXXX XXXX -- -- {$140.00} The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, date last activate is inaccurate, and date last reported in not accurate.

This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency CAN NOT furnish an account without my written Instructions.
Complaint sub-issue: Frequent or repeated calls

Collector from 21st mortgage asks personal questions about how much money I will have in my pay check. Asks what other bills or expenses. Tells me it 's unacceptable if I do n't make my payment at the specific date.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Information belongs to someone else

-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

4. XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

A few ago I was a victim of identity theft and I was checking my credit report and seen that I have a charge with a XXXX XXXX XXXX XXXX from a auto loan. I have never heard if this company, and also filed an identity theft dispute, and also called XXXX but they were rude and hung up on me several times as well as cussing and being very rude. I still have it reporting on my Equifax credit report and I will like it deleted.
Complaint sub-issue: Information belongs to someone else

There is one account on my credit report that does not belong to me I have not opened used or know what this is I need this off my credit report ASAP!!! This is not my account XXXX XXXX XXXX - Account # XXXX Amt {$0.00}
Complaint sub-issue: Investigation took more than 30 days

I submitted letters towards the end of XX/XX/2021 disputing inaccuracies on my report. I have even contacted them and was on hold for hours just to have the call disconnected. It's been well over 30 days and no response. I request for the to delete everything listed in the attached documents due to them violating FCRA laws.
Complaint sub-issue: Their investigation did not fix an error on your report

The bankruptcy was not removed from report. They did not send me verification. The bankruptcy does not include my name or social security number. I was told by a representative over the phone that they would delete it from my report, I was told this XXXX of 2017. Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax still refuses to remove a XXXX  Inquiry from XX/XX/2016 which I have disputed with both Equifax and XXXX, XXXX already notified all three bureaus and two inquiries were removed from XXXX XXXX and XXXX but NOT Equifax. I call them and they tell me to dispute it with the company and are rude and unhelpful.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, MI XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

So for the last year, I have been sending you documents and documents to each of the credit bureaus ( XXXX, XXXX, Equifax ) regarding my name, address, and phone number is incorrect on my credit file. Because of this, I've lost deposits on homes, the ability to obtain business and personal loans, credit cards, and employment. I want you to correct my name and address on my credit file.. I am also seeking damages for lost income and lost the ability to obtain housing and consumer credit. My correct name is XXXX XXXX. I've never gone by any other name or variation of my name. Any attempts to procure credit under my name is fraudulent. My identity has been stolen multiple times and many variations of my name have been used. My Name is XXXX XXXX this is the only name I go by. My XXXX address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove any other name or name variations and addresses or address variations from my file. Only leaving the aforementioned.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting Act the following companies HAS VIOLATED MY RIGHTS .... 

XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, 15 U.S.C 1681 section 602A. states that i have the right to privacy 15 U.S.C 1682 section 604A section 2 states that a consumer agency can not furnish a account without my written instructions.
Complaint sub-issue: Account status incorrect

Equifax should not be reporting that I am XXXX XXXX XXXX days late on the XXXX/XXXX partial account numbers : XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Complaint sub-issue: Investigation took more than 30 days

On or about the XX/XX/2022 ; I contacted XXXX and advised them that I was going to pay off the security system which I had purchased from XXXX. XXXX 's method of my paying in order to install the system directly was through using retain credit from XXXX. I applied while the XXXX sales person was at my house per his instruction. The {$4000.00} sale of the system was approved by XXXX. They subsequently sent me a card with the name XXXX retail credit on it and a number. There is no credit card information on the card. That is, with the exception that the funding is secured by the XXXX XXXX XXXX. It goes on to say " for participating locations only. '' There is no expiration date or security code on the card. 

I contacted the vendor XX/XX/2022 and advised them that, I had sent them a check for {$4000.00} via priority mail. I also told XXXX that I'd checked my Equifax credit report and that they miscategorized my credit to the credit bureaus, wherein, they listed they had provided me with a {$4000.00} credit card limit and I had used all of that limit to make a purchase. This dropped my credit score XXXX points, because XXXX told the credit bureau ( Equifax ), that I had a credit card with revolving credit. That statement was and is a lie, because that account was only opened for the purchase and installation of a new home security system. 

When in fact, the installment agreement has me paying {$66.00} approximately per month with no interest every month until the account was paid off. 

XXXX has no intention of following the law. They said as much by saying that no matter what I said, they were going to take 60 to 90 days to complete an investigation. Further, that they view my account as a revolving credit card account no matter what the card says or does not say. Most likely my credit report will not be corrected to show the account is an installment account. It will continue to show as though it is a credit card. 

This is wrong and I totally disagree. I say they are breaking the law and trampling my rights as this is what big business does on a regular basis, because they keep getting away with it breaking the laws in the US.
Complaint sub-issue: Account status incorrect

Ive had a consumer credit card with PNC bank for over 10 years. Ive always paid the card on time. It was previously a National City Bank Card prior to the PNC Bank purchasing National City. 

Over a year ago, I set up an automatic payment on the PNC system. Ive done this for all my credit cards so that I would never miss a payment. On XX/XX/2020, PNC bank for unknown reasons and without notification stopped the automatic payment. They also locked me out of my online account and used an errant phone number for a two step verification that I couldnt navigate because the number is incorrect ( ending in XXXX ). I contend this is the first of many bank errors. On XX/XX/XXXX, I was contacted by PNC bank at my correct number ( ending in XXXX ) to tell me my payment was late ( PNC had my correct number in their system ). I immediately payed the remaining balance and asked if this had been reported to the credit agencies. At first they refused to tell me it had been reported but upon escalation, I was told it had been reported. I stated that this is an error and requested they remove the damaging information from my credit report. ( This is the only late pay on my entire credit report that goes back 7 years and its extremely damaging to me personally and to my family financially ). Further, PNC admits they did not notify me either in writing or by phone that my auto payment had been ended or that my payment had been missed until after the issue was reported to a credit bureau. 

I immediately filed a complaint with XXXX. Ive met with a local PNC Branch Manager for a call with XXXX XXXX, who claimed to be my PNC advocate in this situation. He, thus far, has refused to admit the bank was in error, even though he admitted they had the wrong number for me in their mobile banking but had the correct number for me in my customer profile. Further, I requested the error logs and management of change documentation on their auto-pay system to determine if an error was possible in shutting off the auto-pay in XXXX. ( All of my other credit cards have auto pay set indefinitely ). PNC has refused to supply me with this information and said that I would have to subpoena the information. Ive asked for his boss to call me and also requested a meeting with the regional bank manager. 

PNC has a vested interest to not admit any error even though there is clearly one error and a number of system and system induced errors. I had hoped PNC would have corrected this mistake and I could have avoided filing a complaint, as I am now forced to do. I ask that PNC either remove the damaging information from my credit report or do not contest my complaints with any of the credit agencies they reported this incorrect information. I also ask from assistance from the CFPB in resolving this situation.
Complaint sub-issue: Trouble using the card to spend money in a store or online

From : XXXX XXXX XXXX Via XXXX XXXX XXXX, XXXX XXXX XXXX debit card & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : {$100.00} Debit XXXX does NOT work Debit XXXX : XXXX XXXX XXXX XXXX XXXX # XXXX Valid Through : XX/XX/XXXX To Whom It May Concern : Recently, I received a XXXX gift card from one of my XXXX ( I 'm a XXXX ). I went to redeem it, and the card would not work. I called the number on the service number on the card, and I was told to write a letter stating that the gift card should be transferred into my name. I called again on XX/XX/XXXX, and spoke to a customer representative named XXXX, employee I.D . XXXX. She told me the only thing left for me to do was to fax in a copy of my driver 's license and utility bill to show my identity. On XX/XX/XXXX, I faxed in a 3rd copy of the gift card, driver 's license, and utility bill. I have called multiple times to inquire the status of the card. On XX/XX/XXXX, I called again and I was told the bank received my fax. <P/>I have been waiting two months to receive a new XXXX gift card from XXXX XXXX XXXX XXXX  XXXX XXXX. <P/>XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with MCMC. This was an illegal repossession followed by illegally reporting on my credit report. Another thing, this was paid repossession ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE THESE REPOSSESSION ACCOUNTS FROM MY REPORT IMMEDIATELY.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

The account is for an apartment lease. I disputed that account in XXXX  at the credit bureaus and the account was deleted from my credit, currently it does not appear on my credit report. They called my son who also appeared in the lease and began to aggressively tell him to do a XXXX way for him to call me and asking him for personal information such as my son 's address after that the person tell him that if he did not return the call in XXXX hour they were going to take the case to court. 
They told my son that the amount was like {$4500.00}. The company is XXXX XXXX, I check online and this company have a lot of complaints and is not register at the Better Business Bureau.
Complaint sub-issue: Information belongs to someone else

I have repeatedly sent letters to Equifax regarding wrong, fraudulent information on my credit report for almost a year. I also disputed with the other credit bureaus and the companies. They have all been cooperative but not Equifax. I am a victim of identity theft. I have already received notifications of at least 10 different breaches of my information. I have filed a police report, id theft reports/affidavits and sent them to Equifax. I have called them multiple times and they just keep flat out lying to me. They keep turning each correspondence into a " re-investigation '' then claiming they've verified with the companies and there is a bankruptcy that they claimed they actually verified with the court. Blatant Lie and I have been researching this stuff for about a year now. I found some case law directly against Equifax that says they aren't allowed to claim a court verified anything. XXXX XXXX, XXXX and XXXX  all deleted the items that I informed them that they were id theft related. I sent proof to Equifax. They don't give a XXXX! I told them on the last letter that I was going to file a complaint against them if they don't follow the law and remove these fraudulent items. They just sent me an updated report. A couple things were removed but they still left some things on there which I know they know should have been removed but instead they just claimed they verified them. Big fat lie!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2022 I received an email about getting a mortgage hard inquiry on my credit report that I did not authorize. This was done through Credco. I bought my home XXXX  years ago so I am not sure why this is being done again XXXX years later. This is impacting my credit score and I did not authorize this. Not quite sure how they even have my information. Could this be fraud?
Complaint sub-issue: Account information incorrect

I have made several attempts recently to have the balance updated to {$0.00} on a closed account with this company. The account was sold to a collection agency and yet this company is still reporting a balance owed. According to fair credit reporting practices, an account sold or transferred to a collection agency should not continue to report a balance owed. The fact that they are still reporting that I owe a balance is a direct violation of my rights under the FCRA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I received by mail a Pre-qualified offer from XXXX XXXX XXXX XXXX, XXXX  to reduce my current new car loan from XXXX XXXX. In the offer they indicated my XXXX interest rate@ 8.6 % and their pre-qualified rate@ 5.5 % which the offer would expire on XX/XX/XXXX. The offer letter also had a Pre-Qual Code XXXX to be use by calling or on their website. I decided to use their website, on XX/XX/XXXX at XXXX, where I entered the Pre-Qual Code as instructed. I then was taken to a standard loan application which required me to enter almost all the info that was already in offer letter. So, I became suspicious, but I continued until they asked for my SSN, which I did not enter, at point I ended the application and closed the webpage! To my surprise a few minutes later I received a confirming email to my email address XXXX stating thank you for applying for an auto loan and I would here back in a few days! It cam form XXXX! I immediately replied with a return email : To whom it may concern : I received a pre-qualified invitation from XXXX XXXX XXXX XXXX and XXXX  to refinance my auto loan, showing details about me and my current loan! 
When I went to your website as instructed and entered the magical mystic code XXXX include in the letter I received, it responded with many questions, with I answered, even though they should have already been answered as identified in your letter. Which leads me to believe that this is a scam!!! 
So, I am requesting that you remove any and all personal information you solicited from me ASAP or I will file a complaint with the FTC charging Fraudulent Solicitation!! I sure you or your organization is aware its illegal! 
I will expect a response to my request acknowledging that you removed me from all email and or phone lists as I requested!! If not, I assure you that you will hear from me again! 
Thank you XXXX XXXX. 

Today I received notice from XXXX XXXX, who Im a member, that a new Hard Inquiry had been made to my Equifax credit report, asking me to verify it, which I did! It was made by XXXX XXXX XXXX XXXX! I filed a dispute with Equifax immediately which is currently pending! 
I did not give my SSN to this bank, I didnt complete their form giving them authority to pull my credit report. I tried to get their customer service with no results, they dont seem to have one, I  dont know of any Bank that doesnt have customer service! 
I suspect fraudulent activity, this appears to be a scam! 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received an email about a collection on my credit report, it stated I opened this account 11 months ago and never paid the amount due this is a lie. I have been with XXXX XXXX for the past 2 years and before that I was with XXXX 2 years prior to that this is a false charge.