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

After reviewing my account I noticed that their are two hard inquiries from XXXX XXXX XXXX that I was not aware of and did not authorize. One in XX/XX/2022 and one in XX/XX/2022 2022
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX  XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1 Ally FinancialXXXX XXXX XXXX XXXX, XXXX, NC XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my personal credit report, which I acquired fromXXXX, Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2018 and XX/XX/2018. I did not recognize or authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Complaint sub-issue: Their investigation did not fix an error on your report

There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. XXXX XXXX has already admitted over the phone that they bought and sold my information to the credit reporting agencies.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: Information is incorrect

On XX/XX/XXXX, I received a Business Adverse Action letter from XXXX XXXX XXXX where I am shopping for a new homeowner insurance. The letter said they put a surcharge on my premium because the information they received from LexisNexis XXXX XXXX in XXXX. 
In the LexisNexis report, there was an insurance claim listed for XX/XX/XXXX by XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ). After talking with XXXX, I have learned that a phone inquiry on XX/XX/XXXX has been changed to a claim without my knowledge. One of the insurance item I had with XXXX called " home system protection ''. When my furnace was broken on XX/XX/XXXX, I called the company to ask if it is covered by " home system protection ''. I didn't get the answer on the same phone call. Later I paid everything by myself to fix the furnace and did not get a penny from XXXX. I never thought this phone call became a claim and it is against me now when I shop for new insurance. After discuss with XXXX I was provided by a letter saying that the claim was closed and payout was {$0.00}. However, after I presented this letter to XXXX, I was told that the surcharge can not be removed because the claim was still there regardless the payout amount.
Complaint sub-issue: Was not notified of investigation status or results

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX**** THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX**** THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Complaint sub-issue: Funds not received from closed account

Hello, I recently opened Checking ( ending with XXXX ) and Savings Account ( ending with XXXX ) with Citi Bank on XX/XX/2020. And deposited {$5000.00} in Checking, and {$10000.00} in Savings Account. 

Today while logging into my account online, I came across a notification which says that Citi Bank has terminated my both of the accounts. And I would get my funds back through a check mailed at the address on file. I am alo unable to see my full account number as the online access to the account has been restricted. 

Upon contacting them over phone, I was advised that the reason for terminating the account is that the address provided is a business address. 

However, they can not send the check for the monies in my account on the address provided on file, and asking for other physical address ( with utility bills ) which I do not have, as I have recently relocated to XXXX, TX for a job, and that is the reason I had provided my employer 's address in order ensure I receive all important mails. 

Now, I am faced with this situation where the Citi Bank abruptly closed my account ( even after having sent my Debit card and the Checks on the address provided ), and would not refund my monies in the account - {$15000.00} I take this opportunity to request you to look into this matter, and direct them to send my money ASAP at the address on file. 

I sincerely hope that you can understand my predicament where I am facing inconvenience wrt abrupt closure of the account XXXX XXXX ), and inability to get my funds back in time. 

Looking forward to a positive reply. 

Thank you Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

I C SYSTEM ( The original creditor was XXXX XXXX XXXX ) This is fraudulent. I'm not sure who opened this account. This wasn't me and I C SYSTEM keeps putting this on my credit reports. THIS IS FRAUDULENT ... .Someone used my information to open an account. My purse was stolen doing this time with my social security and ID.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Don't know who Credco, or CoreLogic is, nor have, or did I sign, any agreement, or authorization, or verbally authorize for them to run my credit on XX/XX/2019! Nor can they provide any type of documentation stating so.
Complaint sub-issue: Information belongs to someone else

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & XXXX XXXX ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & XXXX XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent documents proving some information on my credit report didn't belong to me, including a court order to have the information removed, and it still appears months later after multiple attempts to have the incorrect information removed by Equifax, XXXX, and XXXX. 
Specifically, any and all accounts listed from XXXX XXXX XXXX should be removed.

Specifically, any and all Hard and Soft Inquiries listed from XXXX XXXX should be removed because of online fraud and a court order to remove. 
Specifically, on Equifax report any and all late payments from XXXX XXXX XXXX should be removed or marked paid as agreed and on time. 
All three bureaus were sent certified and non certified documents from my attorneys office to have these items removed and they still appear today.
Complaint sub-issue: Debt was paid

1 closed account/Discover opened in XX/XX/2013 that is 9 years old and 8 years old from last past due payment. Closed account is past the statute of limitations of the state. Closed account still reporting late and negative balance on credit report. XXXX has approved my dispute of this closed account and currently waiting for results from XXXX and XXXX.
Complaint sub-issue: Personal information incorrect

There are a lot of hard inquiries on my credit report but the addresses dont match up. I am reporting because I suspect fraud on my account
Complaint sub-issue: Information belongs to someone else

These are not my accounts, addresses, names on file, nor did I authorize any of these companies to pull my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

There are currently credit inquiries listed on my report that were not authorized by me : XXXX, XXXX XXXX XXXX, XXXX ( Equifax ) XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) Equifax Mortgage Ser XXXX XXXX, XXXX ( all three bureaus ) XXXX XXXX  XX/XX/XXXX ( all three bureaus ) I did not authorize or benefit from these inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting an incorrect coding of the XXXX partial account number XXXX. This account actually this needs to be coded as an M1. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Account status incorrect

I opened a XXXX XXXX account though XXXX XXXX XXXX  on XX/XX/XXXX. I was making payments on time but then fell behind. I received a letter in the mail in XX/XX/XXXX saying they were offering me a settlement offer for {$1600.00}. I called around XX/XX/XXXX to agree to the offer. I gave them the payment information and they processed the payment. The payment came out of my bank account on XX/XX/XXXX. I received a confirmation number and was told my account would be closed and that it would show up on my credit report as paid in full by less than full amount. 

A few weeks after I paid the settlement amount, I received a bill in the mail saying I owed a monthly payment of over {$400.00}. So on XX/XX/XXXX, I called the XXXX XXXX card, spoke to a man named XXXX and asked why I was still receiving payment notification letters after I already settled the account. I was told that it would take about 21 days to close the account and disregard any future emails or bills and I'll receive a letter in 21 days. 

I kept receiving bills and email notifications and noticed that on my credit report it was showing delinquent and affecting my score. 

On XX/XX/XXXX, I called the XXXX XXXX card again this time being more stern in my approach telling them that the account was settled and that it was suppose to be closed 21 days after XX/XX/XXXX and I'm still getting bills. The man named XXXX transferred me to an Account manager named XXXX, who apologized for everything and said she would send an email stating the account is closed and has been settled and would take care of the credit reporting issue too. She mentioned she would call me back in 1-2 days to let me know the status of everything. 

My problem with this whole situation is that it don't seem there's communication being relayed and that my credit has been taking a good hit. 

If there's anything you could do, that would be awesome! 

Thanks, XXXX XXXX
Complaint sub-issue: Not given enough info to verify debt

I was contacted by XXXX XXXX of CFM Group of XXXX GA regarding a supposed {$680.00} debt from XXXX XXXX about a credit card machine that I owe. 
I signed a 3 year contract with XXXX a long time ago with a business that is now closed. The contract stated that in order for me to get the machine for free, I would need to fulfill a 3 year term. Little did I know it had a clause about auto-renewal. 
XXXX never contacted me in regards to the machine, waited a couple of years and sold my account and this supposed debt to CFM claiming I owe them the machine. 
Not once did I receive a notification by mail regarding this matter, even though I have given XXXX XXXX my home address. The only thing they sent me ( by email ) is a vague contract from XXXX. I have reviewed the contract and no where does it state the price of the machine and what I would need to pay. I have asked XXXX repeatedly to verify my debt and send me an invoice, any kind of invoice with the amount and detailing how much I owe ... and he has not done so. I even spoke to his supervisor who stated they dont have that information, all they get is an amount in an XXXX sheet from XXXX and are unable to provide me anything other than the contract. I wanted to send a legal correspondence to NAB and have asked them for a physical address ( XXXX XXXX XXXX ) and they refuse to give it to me. I 'm assuming this is so that they can say I never sent anything since I will not get delivery confirmation. 
In addition, XXXX constantly emails me my full social security number and I have asked him not to do so numerous times. My email was recently hacked and I 'm afraid my personal information is out there.
Complaint sub-issue: Didn't receive enough information to verify debt

Loan taken over by XXXX XXXX consumer from Sallie Mae. I am California as a travel nurse. I communicate with Sallie Mae via email and phone call because I am a travel nurse. I received a statement saying I owe almost {$3000.00} and it aint even say as NJ REQUIRES, this is an attempt to collect a debt! I had my mail opened because this was new communication for me. I didnt receive proper communication from XXXX XXXX because there was a cease and desist order on my account proper to this. They were not able to communicate, No calls, no emails, no texts and the rep verified such! Was told it was placed XX/XX/2021 by XXXX XXXX Consumer. They took loan over on XX/XX/2021. Called Sallie Mae who confirmed that this was never placed on their side. Spoke with a manager XXXX who stated they didnt not have to show proof of cease and desist even though I explained. I want to provide an explanation of why my credit would be two months late and the Sallie Mae is paid off. He would not provide a call number for my record or hes last initial. I asked for it to escalated to a manger because now I am late and Im going between Sallie Mae saying they didnt have that on there and XXXX XXXX Consumer. He told me a XXXX would call me back. I asked what her title was and he said shes above me. I asked him what that meant, he said he didnt have to tell me what kind of manager she was. I stated that it was ridiculous is she an asst manager, a manager, level one manager, level two manager? If I called back is she the only XXXX thats a manager? He hung up on me. The only communication I had gotten was a letter saying I owe {$3000.00}. No one could tell me why the cease and desist was placed and. I one can offer a solution to so that I can provide an explanation and a way to catch up and one will provide proof of the error so that I can have my credit corrected.
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX  XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Complaint sub-issue: Information belongs to someone else

Please be advised this is my second written request. I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law!
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt was paid

" XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' " {$340.00} '' " Opened XXXX '' Block and Remove This Account From My Credit Report. I Did Not Consent To, Did Not Authorize, Nor Benefit From This " Derogatory Mark ''. Report Positively To All Consumer Reporting Agencies. Compensate Me {$2000.00} in total per violation as stated in 15 USC 1681N ( 1A ).