Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

I have a VA home mortgage with US Bank that began XXXX. Sometime in XXXX my wife filed a bankruptcy that included only things that she owned alone. Our home in which we live was never a part of the loan, and US Bank was assured that when they reached out to us after my wife filed. I am the Borrower, and my wife was the co-borrower. I did not know that US Bank would stop reporting on my credit report or my wife 's. I was never told this, and upon them finding out about the bankruptcy, US Bank reached out to us and we adamantly told them that our home was not part of the bankruptcy, but it was never implied, or told to us that they would no longer report our payments on our credit report. I was not a part of the bankruptcy and had no idea I would have this happen to me. My name is not on the bankruptcy file and I do not have a bankruptcy on my credit report. All of this came to light because I tried to refinance to obtain equity from my home, and found that I do not have a history of owning a home. In XX/XX/XXXX I did a refinance to adjust the interest rate from 5 % to 4.5 %. On my credit report, it established that I had the home for a year ( showing the refi ). But nothing after that. I filed a Dispute with XXXX and they came back removing the loan from my report altogether. I disputed through XXXX again and heard nothing, so I called. That is when it was explained that US Bank told them to remove the entire loan from my credit report altogether. I contacted US Bank, and they explained it was their policy that if anyone on the loan filed bankruptcy they will no longer report to the credit bureaus. I explained I was not part of the bankruptcy and that we never stopped paying for our home, and never ever late. I was told it did not matter that was their policy and that they will not report on any payments we have made in the past or any payments we make in the future. So I own a home and pay for it timely, but I my credit report will not ever show this. They said their policy states they will no longer report any payments. I was told because my wife used the address in which we live, that it was included in the bankruptcy, but when questioned about that, ( because my home was " not '' part of the bankruptcy ) the representative stated " I never said it was part of the bankruptcy, but our policy states we will no longer report when one of the borrowers files for bankruptcy ''. I feel it is unfair that the 9 years and counting of good credit history can not be reported on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized Credit Inquiry XX/XX/2017 XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THERE WERE INQUIRES ON MY CREDIT REPORT THAT I WAS NOTIFED BY MYFICO ALERT THAT I DIDNOT AUTHORIZE- I SPOKE TO THE BANKS AND THEY STOPPED THEM AS WELL AS MARKED THEM AS FRAUD- EQUIFAZ HAS NOT REMOVED THE INQUIRERS EVEN THOUGH THEY WERE NOT MINE AND WERE FRAUDENLENT-
Complaint sub-issue: Investigation took too long

I have XXXX negative marks against my credit from equifax credit reporting agency. XXXX is a public record from a company that closed and I never use before. I disputed and proved it was n't mines and XXXX and XXXX took it off immediately but equifax refuse to remove it even after its been proven it 's not mines. And a new collections just popped up only on my credit report that 's not mines and the refuse to provide me or equifax proof I owe it and equifax refuse to remove it off my credit report. Another company XXXX keeps saying I owe them with no proof of a signed contract. XXXX deletes it but equifax wo n't deleted at all even after proving I did n't owe the debt. Something has to be done. I 'm ready to sue equifax for damages.
Complaint sub-issue: Problem making or receiving payments

I have tries to reconnect my PNC account to my sons XXXX account and my own XXXX account several times over the last year, even with the help of the bank, but it doesnt work. Thw accounts were connected when I first opened them, but since then the bank has changed something which makes it impossible to link it to outside accounts such as XXXX. This is ridiculous and I will have to get another bank account somewhere else if it is not resolved because I need to be able to transfer money to and from my son 's XXXX account
Complaint sub-issue: Account terms

There is an entry on my credit report that states that I owe the Department of Veterans Affairs {$3100.00}. This account has been paid in full. I am submitting documentation that will show that not only has the account not been reported correctly for several months, but in fact that I no longer have a balance on this account. The entry from the VA needs to either be updated properly or deleted from my credit report. This account has been disputed several times and each time the Department of Veterans Affairs has verified the information as correct when each time payments had been made that reduced the balance. There had even been documentation submitted which proved the balance was incorrect. 

The attached documents are : Letter from the VA to my congressman verifying that the actual amount I owed at the time was {$1800.00} ; receipts from the VA that show a total amount paid of {$1800.00} and XXXX letters from the VA which show that the account is Paid in Full and that I should not send any additional payments.
Complaint sub-issue: Reporting company used your report improperly

Accordance with the Fair Credit Reporting Act XXXX  acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX  acct no. XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions.
Complaint sub-issue: Problem with statement of dispute

The account I am disputing is over 7 years old and should be removed. XXXX and XXXX have deleted it, Equifax refuses.
Complaint sub-issue: Their investigation did not fix an error on your report

I keep receiving notifications from my credit monitoring service, that my score SEVERELY decreased due to missed payments on my car loan. Although I HAVE NOT missed ANY payments, XXXX XXXX has reported I have missed my payments for 4 months! I called XXXX XXXX and they told me to dispute it, then they would correct it! I did and NOTHING was updated and/or corrected! I have NEVER paid 30 days late and according to FCRA and 15 US Code 1666b, inaccurate information must be removed and deleted immediatley! I have disputed the inaccurate information EVERY month since XX/XX/XXXX - present, which has been WELL OVER 30 days for XXXX XXXX to correct it! Now, I feel I need to SUE becuase I am very distressed that they have reported late payments/past due info in my credit profile due to damaging effects on my credit standing! 

Also, I purchased this vehicle in XX/XX/XXXX and I have only had the vehicle in my possession for 6-7 months! The remainder of the months it was in the REPAIR SHOP with MAJOR issues, icluding leaking GASOLINE inside of it, which has also caused me to now have XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

MS Services LLC has been harassing me and holding my credit file XXXX. They're attempting to collect {$350.00} from me for a debt I do not owe. They have not provided the original signed contract and refuse to remove the debt from my credit file. Due to them negatively affecting my credit I have been refused auto loans and credit accounts and have suffered many other damages due to their negligence.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXXXXXX XXXX Late Date XX/XX/22
Complaint sub-issue: Deposits and withdrawals

XXXX XXXX steal XXXX from my checking with Ally bank unauthorized Ally allowed without authorization Ally overdraft my account over XXXX
Complaint sub-issue: Reporting company used your report improperly

On   XXXX   XXXX  , LexisNexis supplied my background report to somebody without my authroization. This report contained my Social Security number and other vital and sensitive information that should not have been released without my authorization.     I  never authorized ANYBODY to receive this   information. Somebody than proceeded to post my background report on an  XXXX  and  XXXX  page for the world to see.     I had checked with a friend of mine in the FBI who had stated the report came from LexisNexis. I had contacted them to start an investigation and let me know who requested this report which would then let me try and find out who posted it, so I can take appropriate legal actions once I find out.     LexisNexis stated to me that cant furnish that information to me due to proprietary reasons. I stated to them that if they are bound by the FCRA, which i notice they are, they have to furnish me the information as to who requested my report from them. They told me they could only furnish me this information if I were to issue them a court ordered subpoena.     I do not think this is fair that for me to get a copy of a report of mine that was illegally obtained and posted on social media, that I have to pay a lawyer to receive the information that is my right to have due to the FCRA laws.
Complaint sub-issue: Account information incorrect

XX/XX/2017 Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement dated XXXX XXXX, 2017. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to XXXX  inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. XXXX reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is XXXX XXXX error that caused this issue.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap. 
I found some incorrect accounts that are listed wrong on my credit file : 1.XXXX XXXX XXXX XXXX XXXX, I have never filed a Chapter XXXX or XXXX bankruptcy. 
2.XXXX  XXXX XXXX  XXXX # XXXX 3XXXX # XXXX 4.XXXX  # XXXX 5XXXX XXXX XXXX # XXXX 6.XXXX # XXXX 7XXXX XXXX # XXXX 8XXXX XXXX  XXXX # XXXX 9XXXX XXXX  # XXXX THERE ARE SEVERAL ADDRESSES THAT DO NOT BELONG TO ME ON MY CREDIT FILE PLEASE DELETE THEY ARE NOT CORRECT : XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Account information incorrect

I sent a letter to the credit bureaus requesting for them to update items that were incorrect on my credit report more than 30 days ago, I have not gotten a response. 

Hard Inquiry XXXX on XXXX Please remove this inquiry as I did not authorize this Account not mine XXXX : Account showing delinquent status XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 -- showing charge off- this account does not belong to me, please remove this incorrect information
Complaint sub-issue: Investigation took more than 30 days

To Whom It May Concern : On XX/XX/2020, Equifax, XXXX, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR Equifax 1. There are multiple inaccuracies in this charged-off account. The high credit amount is inconsistent on my three bureau reports ; one bureau even has this amount as {$0.00}. There should be no past due not balance amounts associated with it but it shows {$320.00} as balance and as a past due amount. All these discrepancies make this account look totally unverified and  incorrect. 
XXXX XXXX XXXX/XXXX Account Number : XXXX Delete this account IMMEDIATELY! 
2. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
3. This is a collection account so there should be no balance associated with it at all. How come this particular account shows a balance in the amounts which are by the way different for each bureau reports? It is no making any sense. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

FOR XXXX  1. There are multiple inaccuracies in this charged-off account. The high credit amount is inconsistent on my three bureau reports ; one bureau even has this amount as {$0.00}. There should be no past due not balance amounts associated with it but it shows {$320.00} as balance and as a past due amount. All these  discrepancies make this account look totally unverified and incorrect. 
XXXX XXXX XXXX/XXXX Account Number : XXXX Delete this account IMMEDIATELY! 
2. This is a collection account so there should be no balance associated with it at all. How come this particular account shows a balance in the amounts which are by the way different for each bureau reports? It is no making any sense. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
3. Why are the dates of last activity for this account do not match on my Equifax XXXX and XXXX  reports? All information must be consistent on all three bureau reports as per FCRA. 
XXXX Account Number : XXXX DELETE THIS UNVERIFIED AND INCONSISTENT ACCOUNT. 

FOR XXXX  1. How was this particular account got validated? I reached out to the collection company to legally verify this account but I never heard back from them. 
XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report if you are unable to supply me verifiable proof. 
2. Why are the dates of last activity for this account do not match on my Equifax XXXX  and XXXX reports? All information must be consistent on all three bureau reports as per FCRA. 
XXXX Account Number : XXXX DELETE THIS UNVERIFIED AND INCONSISTENT ACCOUNT
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Didn't receive notice of right to dispute

I have an unrecognized account on my credit report from IC SYSTEMS  XXXX  I have never done business with this company. I am requesting a copy of the contract agreement between IC SYSTEMS and the Original Creditor if there is to be any proof of this claim unpond my person. I do not believe IC SYSTEMS is a entity that can legally enforce a claim unpond my person without a investagation of the FULL CONTRACT AGREEMENT. Your company has 15 Days to provide me with the prooof that you own this debt or account and have the nessary documents to enforce a claim.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX t
hat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Also consumers were not informed in a timely matter as the company kept news of this breach secret for weeks! Further putting the consumer at risk while trying to save their own hide. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Information belongs to someone else

I recently got a copy of a credit report because I was wanting to purchase my first home. Upon checking my credit report I saw several unusual accounts and addresses that were not mine. I contacted the companies and also the credit bureaus with no success. I am listing the fradulent accounts as well as dates and addresses that arent not mine below. 

Company : XXXX XXXX Account # XXXX* DatesXXXX Amount : {$30000.00} Company : US DEPT ED Dates:XXXX XXXX : {$990.00} Company : US DEPT ED Dates:XXXX Amount : {$1000.00} Company : US DEPT ED Dates:XXXX Amount : {$1300.00} Company : USDOE/XXXX XXXX Amount : {$3200.00} Company : XXXX XXXX Dates:XX/XX/XXXX Amount : {$3500.00} Company:06 XXXX XXXX XXXX Dates:XX/XX/XXXX Amount : {$210.00} Company:6 XXXX XXXX XXXX XXXX Dates:03/10/2020 Amount : {$56.00} Company : US DEPT ED Dates:XXXX Amount : {$1100.00} Company : USDOE/XXXX Dates:XXXX Amount : {$3400.00} Company : US DEPT ED Dates:XXXX Amount : {$3100.00} Company : US DEPT ED Dates:XXXX Amount : {$1800.00} I am also disputing the credit inquiries that are credit report. I am listing the accounts dates. 

Company : XXXX Date of InquiryXXXX Company : XXXX Date of Inquiry:XXXX Company : US SM BUS ADMIN ODA Date of Inquiry:XXXX Company : XXXX  Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX  Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX XXXX Date of Inquiry:XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I found an account on my Equifax credit report that doesnt have an account number or creditor name. I called and asked for information and they refused to provide me with details.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX ending in # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Debt is not yours

Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. 

Please remove the following accounts : 1. The following account is not mine DISCOVER BANK Account Number : XXXX REMOVE the inaccurate information from my credit report. 

I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX  and do not have a way around the Heat XXXX  Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. 

XXXX XXXX XXXX XXXX