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

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXXXXXX XXXXXX/XX/XXXX ; XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Complaint sub-issue: Debt was result of identity theft

i reported that this account was a result of id theft but they ignored my report and keep reporting as my debt National Recovery Agency is negligent in this transaction and shout pay a heavy fine for ignoring my request
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX dba : XXXX submitted in error with out our consent or authorization inquires on XXXX XXXX XXXX with XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Camping world submitted a letter to have all inquires removed from our credit reports on XX/XX/XXXX. This has not happen with all 3 credit reporting agencies. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

ALL 3 " CRA '' CONTINUE WILL NOT UPDATE FILE AND ADD MISSING ACCOUNTS TO CREDIT FILE ... XXXX XXXX   XXXX # XXXX AND XXXX XXXX XXXX # XXXX ... MISSING INFORMATION ON CRDIT REPORT
Complaint sub-issue: Funds not received from closed account

I received a letter from CitiBank dated XX/XX/XXXX stating they were unable to service my account any longer so they were closing my accounts and the funds in the accounts would be sent to me by check within XXXX days. 

On XX/XX/XXXX I sent a letter requesting to know why they felt they were unable to service my accounts. They did not respond. 

On XX/XX/XXXX I called the number given to me in the letter dated XX/XX/XXXX. The agent stated I would need to contact some one else for further information. I requested to speak with a supervisor. After being repeatedly placed on hold she comes on the line and tells me she has transferred me to a supervisor and she disconnects, no one comes on the line and the call is disconnected. I again call to request a supervisor and am told I would not be issued the funds in my account because the funds in the account were not mine. If it's not my money then whose is it? When I asked whose funds they were then she states she can't give me that information. I request the supervisor for further information. Again I am repeatedly put on hold, again they come on the line telling me I am being connected to a supervisor and they disconnect, again no one comes on the line and the call is disconnected. 

I had approximately {$1100.00} in my checking account and {$87.00} in my savings
Complaint sub-issue: Their investigation did not fix an error on your report

My Equifax credit report of XX/XX/XXXX. 
Reports a XXXX account Opened XXXX XXXX XX/XX/XXXX Address of XXXX XXXX XXXX deleware On my Equifax report of XX/XX/XXXX Reports it is a changed name XXXX XXXX XXXX DELEWARE Not XXXX XXXX I reported fraud and identity theft in XX/XX/XXXX to  XXXX/Equifax. The accounts were supposed to all be closed but this changed name account within 6 months were reported 2 different ways on the same company Equifax XXXX opened XXXX XXXX XX/XX/XXXX shows it remained open thru XX/XX/XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax refuses to consider hard inquiries by 4 mortgage companies in a 24 hour period as one hard inquiry and my rating with them is poor for hard inquiries despite the fact that I read them : You can shop around for a mortgage and it will not hurt your credit Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other creditors realize that you are only going to buy one home. You can shop around and get multiple preapprovals and official Loan Estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit check is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45-day window is over, shopping around is usually still worth it. The impact of an additional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. Note : the 45-day rule applies only to credit checks from mortgage lenders or brokers ' credit card and other inquiries are processed separately.
Complaint sub-issue: Information belongs to someone else

There were fraudulent applications submitted under my name. I contacted Equifax on 5 occasions by phone and certified mail and the info was not removed. 

XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XX/XX/2021 XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX A XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, IL XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX OH XXXX
Complaint sub-issue: Account status incorrect

Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX is reporting ( IN ERROR ) a delinquent account ( Automobile Policy Number XXXX ) that was FLAT RATE CANCELLED when they DISHONORED THE POLICY. XXXX owes me {$3200.00}. They attempted to NON-RENEW MY CONTRACTED AUTOMOBILE POLICY CAUSING ME MUCH ANGST. They were reported to Georgia Office of Insurance and Fire Safety, and a hearing DEMANDED PURSUANT TO O.C.G.A 33-2-17, b2. I HAVE BEEN GRAVELY AGGRIEVED. 

Now, they have given a debt ( I DO NOT OWE ) containing MY PRIVATE AND CONFIDENTIAL INFORMATION TO XXXX  XXXX XXXX DEBT COLLECTORS WHO ARE HARRASSING, ANNOYING, AND STALKING ME. XXXX debt collectors for XXXX  have been advised to CEASE AND DESIST AND XXXX  DEMANDED TO PAY FLAT RATE CANCELLATION IN THE AMOUNT OF {$3200.00}. The Georgia Office of Insurance and Fire Safety DEMANDED TO GRANT HEARING BEFORE COMMISSIONER, XXXX XXXX XXXX, PURSUANT TO O.C.G.A 33-2-17, b2 Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Complaint sub-issue: Public record

I have been requesting Equifax to remove an old negative account in my record titled " XXXX XXXX XXXX '' that was opened in 2009. Both of the other credit monitoring companies removed the account due to the elapsed 7-years time, but Equifax is not budging because they state that a collections company took the debt years later, so they are going to make me wait years. It is ridiculous because the account is the only negative mark on my credit report AND it 's been removed from the other credit companies ' reports! I do not understand why Equifax is being so stubborn, especially now that I am trying to apply for a mortgage and this one ridiculous negative mark is holding me back. Please investigate this account and explain to Equifax that there should be no reason to hold me back from my mortgage with this pointless negative account.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I noticed on XXXX XXXX that XXXX had reported my closed account as being late. That same day I contacted XXXX and I asked for an explanation and I was told there was a {$1.00} balance on my account which I did not know since I never received my final bill. The agent apologized and stated that XXXX would re-age my account and forgive the balance and it would be corrected on my credit reports. 

On XX/XX/XXXX I contacted XXXX again since my reports still showed the negative information and was told it was still being worked on and I should wait for 1 to 2 billing cycles.

To this day the account is still reporting to the credit bureaus as 30 days past due.
Complaint sub-issue: Information is not mine

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize the credit inquiries from XXXX XXXX XXXX, XXXX, nor XXXX. 

XXXX XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 2021
Complaint sub-issue: Debt is not yours

On XXXX XXXX, 2019 I went in to speak with the property manager at the club at XXXX XXXX to advise them that I had taken a job out of state and that I would not be renewing the lease and wanted to know what needed to happen for move out. I was advised that if I were able to leave by XXXX XXXX, 2019 they had someone who wanted the apartment and I would not incur any additional costs. I began the process of move out and was out of the apartment by the agreed upon date. I attempted to contact the property manager to get the keys to her and she stated that she was showing apartments and I should bring her the keys the following day which I did. The property manager asked for an address at my new residence so she could send me the final bill for water and trash removal and I was verbally advised that this amount would be the only thing that I owed ; however, I ended up with a collection account for rent that was not owed per the verbal guidance of the property manager. I never received a bill. I have sent all of my supporting documents for the move out to the property in an attempt to resolve this concern ; however, they will not communicate with me. On XXXX XXXX, I went to my XXXX XXXX and attempted to apply for an auto loan at which time I was turned down for credit.
Complaint sub-issue: Didn't receive enough information to verify debt

The following company never proved their methods of verification through several stages of written credit disputes : XXXX XXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Complaint sub-issue: Other problem getting your report or credit score

INVESTIGATION REQUEST LETTER To whom it May concern.

I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities. All three Credit Bureaus are reporting the incorrect and different credit scores. Equifax, XXXX, XXXX XXXX have all been reached out by me and contacted. Some people are reporting things on me I never verified. 

Are you Familiar with something called the 15 U.S.C. Sec. 1681i ( a ) I heard if you cant provide proof of these accounts to verify if they are correct. So, could you please check on these and get back to me?
Complaint sub-issue: Confusing or misleading advertising about the credit card

I received several offers from credit karma stating I was approved for a credit card. I never was approved and they did credit check, causing my score to go lower. They also provided incorrect credit score. Embarrassing to think your score has increased and it actually has not.
Complaint sub-issue: Trouble getting, activating, or registering a card

The second round of stimulus was issued to me on an economic impact payment card. the card was sent to the wrong address. I have not been able to contact the XXXX team to that I can get another one mailed to my correct address. There is no option to speak to person everything is automated and it makes the process impossible to fix. There should be an option to speak with a live representative that help consumers get the help they need.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Complaint sub-issue: Problem with fees

Hi there, I reported several fraud charges on my PNC credit card to PNC bank on XXXX XXXX. The representative informed me that they will take care of the fraud charges and send me a new card. But I had a bill due approaching. So I asked the representative whether I can make the payment to my old card. He replied that I can't. And I need to wait until the new card arrives so that I can make payment to the new card for that bill. However, I haven't received the new card until past due day. A {$27.00} late fee occurred. I contacted them about this issue but this time, the representative said that I don't need to wait for the new card to make the payment. I can make a phone call to pay. This information was not disclosed when I contacted PNC earlier. I had no idea there is another option like that to pay. It is the PNC representative 's incorrect information leads to the late fee. However, PNC refused to waive the late fee. Please help me with this issue. Thanks.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent an credit card dispute/inquiry to the following : US Bank XXXX XXXX XXXX XXXX ND XXXX Attn : Executive Office Consumer Complaints The purpose of this memorandum is to notify US Bank that I seek a full detail since inception of all transactions for the account number XXXX Over the past several years dating back to XXXX, I have been in numerous conversations and interactions with US Bank, via phone, bank visit ; all requesting backup for questioned charges. 

US Bank has failed to provide any supporting documentation. I mentioned at that time that I was giving US Bank at least two weeks to provide verifiable proof that charges occurred on my credit card and if not that I would begin the credit dispute process via Consumer Financial Protection Board. As of XX/XX/XXXX, no proof has been provided. 

Based on the information contained and the Fair Credit Reporting regulations ( laws ), I request that all derogatory information pertaining to US Bank ; get eliminated from my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute with Equifax regarding duplicate accounts on my credit report regarding the company XXXX. They are for the same account, however, one shows paid and the other shows unpaid but both are having a  negative affect on my credit score. I asked that both accounts be investigated to determine which should be reported. They updated the paid as being verified as of XX/XX/XXXX but did not investigate as requested the unpaid account. If the paid account has been verified, the unpaid duplicate account for XXXX needs to be removed as it was last verified XX/XX/XXXX. <P/>Also, I have requested that Equifax remove an account that is reporting on my credit report because it is medical debt. I have made at least 5 dispute request to get this item, XXXX XXXX, removed and have been unsuccessful. It is even listed as medical debt.
Complaint sub-issue: Was not notified of investigation status or results

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and over 3 months since my second written request and I still have not received any responses.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

SUBJECT : XXXX XXXX disputes inquiries on Equifax Credit Report as shown below. 

Inquiries disputed : XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Description : UNKNOWN and UNAUTHORIZED hard inquiries ( as shown above ) reported on consumer credit report. 

Cardholders Argument and Violations : 1.Credit reporting agency reports multiple hard inquiries listed above on consumers credit report ; consumer did not authorize access to these credit hard pulls. 
2.Consumer Credit Reporting Agency is not in compliance with the Fair Credit Reporting Act and reports inaccurate information on consumers credit report. 
3.These discrepancies violate to consumers Right to Privacy and not in accordance with the applicable regulations. 
4.Unauthorized inquiries recorded on consumers credit report prevents consumer from acquiring credit ; causes consumer financial hardship. 
5.Consumer has notified Credit Reporting Agency of these discrepancies in the past ; Credit Reporting Agency has failed to correct them.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the Equifax XX/XX/2022 to update this doubtful information. I think you have not authenticated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

BANK XXXX XXXX XXXX, BANK XXXX XXXX XXXX
Complaint sub-issue: Trouble getting information about the card

US Bank and Elan Financial Services have created a website that does not work, and they also have a phone system that transfers victims ( customers ) through countless departments, on-hold time wasters, and people who can not do everything needed ... resulting in more transfers. It's like, seriously, does US Bank or Elan Financial Services PAY people to create the most burdensome XXXX XXXX customer service procedure so victims just give up and throw away their joke reward debit card? Unbelievable a bank in the USA would treat victims this way.
Complaint sub-issue: Not given enough info to verify debt

I called and they did not give me much information on the debt at all. after finally doing some research I called them back and decided to pay the debt in full. they would only do a transaction by me giving them my routing number and account number which they would make a check out in my name to pay off the debt. It if very dangerous to give out your routing number and account number. I paid them off in full and then they refused to give me any kind of transaction record or receipt. they claimed they will only send it out by mail only after everything has cleared which can take up to 30 days to receive a mailed receipt. they were very rude and unprofessional. I do not agree with the way they handle business and do not think they should be able to conduct business this way or business at all in the future. all I want is some proof of a transaction since I am giving them my account number and routing number.
Complaint sub-issue: Account status incorrect

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed several items regarding XXXX XXXX XXXX XXXX that do not belong to me, however they are reporting to my Equifax report. I disputed the item with both XXXX and Equifax. I have stated that these items belong either to identity theft or placing accounts that belong to my father on mine. Equifax unlawfully combined my credit report into XXXX different reports and I believe this information from XXXX XXXX XXXX XXXX is part of this. I am attaching a letter sent to Equifax and XX/XX/XXXX requesting an investigation into my dispute under Section 609, 611 FCRA and as of the submission of this complaint, Equifax has not responded to my request, they only verified the information as accurate when the information is not accurate as they do not belong to me. Equifax and XXXX have violated The Fair Credit Reporting Act by not conducting a proper investigation into my dispute, by not providing to me, specific documents I have requested regarding my dispute with XXXX XXXX XXXX XXXX. More than 30 days have elapsed, an investigation in accordance with Section 609, 611 FCRA has not been conducted and I have not been provided any documentation in connection with my dispute regarding XXXX XXXX XXXX XXXX. Please find the attached dispute letter under Section 609, 611 FCRA as I request any derogatory report from XXXX XXXX XXXX XXXX be removed from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information is not mine

Recently, I notice a collection from XXXX XXXX that show XXXX past due. This collector is attempting to collect a debt that I am not liable for because I was not XXXX.
Complaint sub-issue: Was not notified of investigation status or results

To who it may concern I would like to report several violations against me. There are some errors and its been over 60 days and I haven't heard anything back. I also sent another letter and have not heard anything. I sent all the letters certified mail and have the delivery receipts to prove that they received my letters this is a violation under 15 U.S.C. 1692g. I demand the violations be addressed and deleted from my credit reports.