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

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE APPEARING ON MY REPORT. 
I HAVE NEVER RECEIVED A COLLECTION LETTER FROM XXXX XXXX BEFORE SUBMITTING THE BELOW ACCOUNT AS A COLLECTION ACCOUNT TO YOUR BUREAU IN DIRECT VIOLATION OF THE FDCPA ( FAIR DEBT COLLECTION PRACTICES ACT ) THIS ACCOUNT IS NOT MINE, AND I DEMAND IT TO BE DELETED. THIS ACCOUNT IS TO DELETE IS XXXX XXXX, XXXX, # XXXX. REFER TO THE ATTACHED IDENTITY THEFT POLICE REPORT. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
THIS ACCOUNT WAS NEVER LATE, REFER TO ACTUAL PAYMENT HISTORY AND THERE WHERE NEVER LATE PAYMENTS EVER MADE, REFER TO ATTACHED REPORT SHOWING CREDIT XXXX AND XXXX HISTORY WHICH SHOWS NO LATES. I DEMAND THAT YOUR AGENCY AMEND THIS ACCOUNT TO SHOW NEVER LATE IMMEDIATELY. THE NAME FOR THE ACCOUNT THAT YOU ARE REPORTING LATE HAS A DIFFERENT NAME FOR THE SAME ACCOUNT FROM XXXX, XXXX  AND EQUIFAX
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, ENHANCED RECOVERY, XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission XXXX FTC XXXX, in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could  cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX. I am contacting you regarding a closed credit card account I opened with PNC Bank in XX/XX/XXXX. The purpose of this letter is to inform you that PNC Bank placed an item on my report, which is negatively affecting my credit score while I was, and still am, on XXXX XXXX in the XXXX. PNC Bank placed this negative item on my report and failed to remove it after the situation was resolved. I wrote letters to PNC banks escalation and credit report departments. I wrote letters to XXXX, XXXX, and XXXX reporting agencies. I paid XXXX XXXX XXXX to send letters to the credit bureaus to have them request the investigation in early XX/XX/XXXX to remove the 60-Day late payment XX/XX/XXXX listed on my credit report. 

In short, I was notified by PNC Bank in XX/XX/XXXX that someone was making payments towards my credit card balance and that this individual had been unknowingly making payments to my credit card account for the last 6 months because he thought he was paying his credit card account. I was confused when I heard this because I thought the automatic payments I set up had been deducted from my personal checking account on a monthly basis, which was not the case. In XX/XX/XXXX, I received a phone call from PNC outlining the circumstances and what was happening. PNC representatives told me I needed to make a payment of {$200.00} at that time in order to make my account balance current. The Bank apologized for the mix up, which, neither myself nor the other individual, were aware of for the 6 months this was happening. I then paid PNC Bank the {$200.00} and re-enrolled in the automatic payment program and the situation was, at that time, seemingly resolved. Though this situation was resolved, the Bank placed a 60-Day Late Payment effective : XX/XX/XXXX on to my credit score. This was a mistake PNC Bank made in confusing my account with another customer. 

My credit score was XXXX in XX/XX/XXXX and then it dropped to a XXXX as a result of this false report. I am asking you to provide justification for why that negative item is still on my report and to remove it immediately. Under the fair credit reporting act, please provide the reason you listed this negative item on my report and please remove this negative item from my report immediately. PNC Bank did not demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing my credit report. PNC Banks negligence and failure to correct the errors outlined above have adversely affected my credit score and prevented me from qualifying for a home loan. I respectfully request your immediate assistance to rectify this situation. Please contact the data furnishers and investigate this problem and remove the negative item. I will take no time in detailing the second and third order affects my fair credit score has had on my financial health as a result of this inaccurate report.
Complaint sub-issue: Debt is not yours

HI NRA National Recovery Agency - # XXXX XXXX XXXX XXXX ;??? FOR {$1400.00}??? 

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Information belongs to someone else

I checked my Equifax report and seen this account all reported by Equifax the same day, I believe that equifax made a mistake reporting. This is not my account. Speaking to the original creditor, no knowledge of who this was. I did file a XX/XX/XXXXwith the FTC reference # XXXX Collection Agency XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$350.00} Amount {$350.00} Status Date XX/XX/XXXXXXXX StatusXX/XX/XXXX Date XX/XX/XXXXXXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX XXXX XXXX XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

I never opened a XXXX card or account in XXXX or XXXX. I need this removed from my credit history. I was out of the country for over 8 years and going back. I had a credit score of XXXX before I left and now its a lousy XXXX! This is insane! I have multiple fraudulent accounts on my credit reports that were not opened by me.
Complaint sub-issue: Debt is not yours

I was in the hospital on XX/XX/XXXX to XX/XX/XXXX. I didn't have insurance at the time and was unable to pay the large balance. The bill went to a collection agency called XXXX XXXX XXXX. This company is adding interest to the medical bill. The original bill does not have interest applied. I did some research and I've read that if the original bill does not have interest applied, a debt collector can't add interest. I explained this to the company. They are adamant on adding interest to get it paid. I told them recently that what they're doing is illegal and will refuse to pay interest on a medical bill. I'm paying the bill, just not the interest.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX SC, XXXX XX/XX/XXXX Last 4 of SSN : XXXX XX/XX/XXXX To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter filed with the CFPB. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible. 


Personal Information : XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXXXXXX XXXX XXXXXXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX Employment : XXXX Local Account History : XXXX XXXX XXXX, acct # : XXXX XXXX, acct # : XXXX XXXX XXXX, acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # : XXXX XXXX  XXXX XXXX XXXX XXXX acct XXXX : XXXX The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ). 

Sincerely yours, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

My identity has been compromize, accounts that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's into to this complaint, a plolice report will be filed as is requested by FCRA.
Complaint sub-issue: Information belongs to someone else

Upon checking my XXXX account through XXXX, I noticed student loan accounts in my name from the University XXXX XXXX, XXXX. 

I never attended the University XXXXXXXX XXXX, XXXX in my life and have never taken courses at the university. Most importantly, I never applied for financial aid and/or take out student loans through the University XXXX XXXX, XXXX. 

I believe someone committed fraud and stole my identity to perpetrate this massive crime in my name at the University XXXX XXXX, XXXX.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX I sent XXXX, Equifax and XXXX XXXX a letter requesting them to remove all Hard Inquiries that did not have permissible purpose to be removed. 

None were removed by this letter I sent every Bank that pulled my credit and explained I did not apply for the loan. One removed it on their own. 

XX/XX/XXXX I sent XXXX, XXXX XXXX and Equifax a letter from XXXX XXXX XXXX that said I did not have permissible purpose for a credit check. 

I found out there were 19 Hard inquiries on the XXXX and XXXX XX/XX/XXXX for a car loan. I had a car so I investigated and talked to 3 managers at XXXX XXXX XXXX till finally they realized I was never in the building or ever applied for the credit. Then they gave me a letter saying I did not apply for the credit and all my inquiries should be removed.

I contacted Equifax 2 weeks ago on the phone and they said I needed a police report to remove the inquiries. 



XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I Travel/Entertainment XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX I did not apply for that credit, I had no idea about the credit that was being applied for. I want this removed. Its not my responsibility. I didn't do it.
Complaint sub-issue: Reporting company used your report improperly

My SSN was compromised in this recent data breach due to lackadaisical security policies carried out by Equifax.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX  consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this XXXX XXXX XXXX  now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft, applications were submitted in my name and my identity have been used without my consent to fraudulently obtain goods and services. 
I have three fraudulent accounts on my credit and i did submit a ftc report to them and they blocked the fraudulent accounts, but after a month the collection companies and one of the banks unblocked the accounts with false information submitted to the three major credit bureaus, please direct all three major credit bureaus to block and delete all three fraudulent accounts listed below. 
1. XXXX XXXX, account number XXXX, account was opened fraudulently on XXXX, total amount of fraudulent balance is {$5400.00}. 
2. XXXX XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$5900.00}. 
3. XXXX  XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$36000.00}.
Complaint sub-issue: Reporting company used your report improperly

I receive a credit card from XXXX XXXX XXXX on XXXX XXXX,2017 and the company reported the credit card on my credit report within 5 days of receiving the card which is XXXX XXXX,2017. This company did not give me the opportunity to pay down my usage amount before reporting to the credit bureau. I Thought financial institutes allow you thirty days to pay for your depth before reporting to the credit bureau. I also did not receive a statement from this company yet because it 's to soon to release a statement, but they release my information to the credit bureau without notification.
Complaint sub-issue: Public record information inaccurate

-Public Records section of my report indicates there is a claim of : " US BKPT CA XXXX XXXX  XXXX XXXX Chapter 7-XX/XX/XXXX '' This Bankruptcy was filed by my estranged husband and I was jointly thrown into it illegally since I was simply an authorized user, yet shared no accounts. Then, I am told, the Bankruptcy, was revised into a Chapter XXXX repayment plan to include his business entities and so on. I have explained this over the phone many of times and only received generic correspondences from Equifax regarding my concerns and this complicated scenario and yet each time they shut me up and blindly verify whatever they see and leave the Public Record there on my file for their own protection. I was not a part of his Chapter XXXX repayment and owed no debt to the trustees. Please understand, I am not responsible for the county clerks irresponsible record keepings! I have immaculate credit and I am a great consumer and this is damaging my credibility and credit score. The Chapter XXXX turned Chapter XXXX combination is found under another name, closed by trustee. The debt has been repaid in its entirety, he has provided the information to me to pass along to you ; Chapter XXXX Bankruptcy, XXXX docket # XXXX. The change in circumstances are hurting me as the false record is even nearing over 9 years old, please remove it. Also, the information where it claims the original Bankruptcy was in XX/XX/XXXX is also inaccurate, it was filed with an attorney, though later changed, in XX/XX/XXXX. 

Also, there are 3 personal details appearing on my credit report under 'personal information ' which are NOT ACCURATE and I would like them removed immediately because I have no idea who these people are and what has occurred at these addresses ; as they have NOTHING to do with me and are compromising my integrity. I have no association with the following listed name, address or employer. Please delete the following as well : 1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX Ca 3 ) XXXX XXXX ( Employment )
Complaint sub-issue: Funds not handled or disbursed as instructed

I had fraud on my account at Citibank on this past Friday XXXX XX/XX/2022. I had a fraud alert placed on that checking account and opened a new checking account. This would allow Citibank to move funds from my old account to new bank account. I have called there today for 1 hour to get my monthly XXXX deposit and other pay transferred to my account and they hung the phone up on me. I havent been able to get any funds for 5 days now. I have been banking with Citibank for 16 years and not understanding why they are causing this big problem and have verified that this is me calling. It is only the XXXX representatives that are causing all of these problems every time I call this bank. 

I dont know if this is race related, but this is unacceptable. 

I need them to transfer my money to my new account so I can pay my bills and buy groceries.
Complaint sub-issue: Problem with customer service

I am a victim of identity theft and have notified the owner of the fraudulent loan, Discover Student Loans, regarding the fraud but have not received any response. I am providing a copy of the most recent fraud report sent to Discover that I have not received any response to, and will provide a summary of my dispute below. 
A private student loan, account no. ending in ****************XXXX was obtained in my name without my consent or knowledge. When checking my credit in XXXX, I saw a credit entry for a student loan in my name with Discover Student Loans. I have never opened an account, obtained a loan from, or co-signed on any loan with Discover Student Loans. I have been attempting to notify Discover since seeing the entry on my credit that the account was not mine, and that I never signed or agreed to any such student loan. I sent the attached notice to Discover on XX/XX/XXXX notifying them of the fraudulent nature of this account, but have not received any response. 
As stated in the attached identify theft affidavit, I have not opened any student loans or co-signed for any student loans with Discover Student Loans, and the accounts are harming my credit and have caused worry, stress and hardship that has affected my quality of life.