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

There was not a proper investigation. I was told accounts was verified. They failed to provide with a copy of any viable evidence anything bearing my signature.
Complaint sub-issue: Didn't receive enough information to verify debt

I contacted XXXX XXXX XXXX while my car was being repossessed. 
The agent verified my address and told me to lookout for certified mail that would be sent. It's been over 6 months and I haven't received anything yet. While checking my report I noticed changes to the account. So I called them back to see what was going on and was told it's too late. So there are a several things wrong. 
There are multiple accounts on my record reporting the debt but with two different addresses. One address is regional acceptance corporation on XXXX XXXX XXXX, the other address shows as XXXX XXXX XXXX  on XXXX XXXX XXXX . 
There is also the verbiage " Skip '' on my report meaning they couldn't locate me, even though my address is current on their website today, this is also the address that they repossessed the car from. Statement was also received at this address. 
The amount being reported on my credit report differs from that on the account. The account says I owe XXXX while my report states XXXX. I am unable to validate which amount is correct due to the failure of XXXX sending state required paperwork. This paper work includes the intent to sale and the deficiency ( post sale ). These items per the attorney general is to be sent certified. I was advise to request these documents, and if not sent, the repossession was illegal and to report my findings and provide the supplies documents back to their office. So I am requesting copies of the certified mail receipts, copies of the sale ( if you sold the vehicle, I dont know ), also the intent to sell. PLEASE UPLOAD ALL DOCUMENTS TO THIS WEBSITE, DO NOT CALL, EMAIL, OR MAIL ME ANYTHING.
Complaint sub-issue: Information belongs to someone else

After reviewing my credit report I noticed false and fraudulent information reported on my credit history. I am honestly disappointed and tired of scammers stealing identity and using it as there own! Only to hurt working class individuals like myself, livid!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I mailed a letter dated XX/XX/XXXX about two inquiries that were not authorized from mortgage reporting. I had 1 inquiry that was authorized on XX/XX/XXXX. However, I have two others that were not authorized dating XX/XX/XXXX and XX/XX/XXXX. I never received a reply from the inquiry letter I sent either.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX  Credit Reporting company refused to " delete '' two ( 2 ) Hard Inquiries, both of which I've never applied for credit! Experian shows one ( 1 ) Hard Inquiry - XX/XX/XXXX from Discover Credit Card Company. 
However, upon reviewing XXXX 's website WITH HAVING TO PAY for a Premium Revolving charge Membership, I am looking at THEIR report on me and there's two ( 2 ) Hard Inquiries! The 2nd is from XXXX XXXX XXXX in XXXX. I never have applied for credit with XXXX XXXX, either! I already called both Companies and they couldn't confirm or find any application for credit. Both directed me to XXXX  and XXXX  and XXXX XXXX. 
Today, after being told by a fraud department agent named XXXX, that they " XXXX  '' can not and will not remove the 2 incorrect Hard Inquiries. XXXX  doesn't want my XXXX  Score to rise. XXXX hung up on me when I asked to have a supervisor contact me. The call ended at XXXX MST and my calls are automatically recorded & stored. I'm sure they recorded the call, too. Both Agents were incredibly rude, inept at facts, and evidently weren't trained in U.S. Credit Federal Law. 
My request ... I WANT BOTH INCORRECT HARD INQUIRIES DELETED/REMOVED! 
I ALSO WANT XXXX  TO CRITIQUE THEIR 2 PHONE AGENTS, PRIMARILY, XXXX. 
I can upload the actual phone call file if needed. I will attach the image screenshot of the 2 Hard Inquiries that are on my XXXX  Credit Report. 
Moreover, I'm requesting AGAIN ( 2nd time ) for XXXX  Credit to ALSO DELETE/REMOVE the Indicator of " seeking credit '' from my report and as it factors into my XXXX  Credit Report and ALL FORMS OF MY XXXX SCORES, including but not limited to, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc. 
Respectfully, XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # 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
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 XXXX XXXX by certified mail ( copy enclosed ) 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 : XXXX XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a 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 insure 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 XXXX XXXX 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: Reporting company used your report improperly

In accordance to the Fair Credit Reporting act XXXX Account # 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.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the collection account XXXX XXXX XXXX several times and this is the second attempted complaint in reference to this collection company and XXXX credit Bureau. The original credit card company XXXX account was open XX/XX/XXXX, credit limit {$300.00} and was closed charged/written off XX/XX/XXXX. XXXX XXXX is reporting this closed account as open with a past due balance of {$750.00}. Incorrect reporting/inaccurate right? Again this has affected me adversely and as a consumer I'm held to a standard of practice why is the credit bureau and collection company are allow to disregard and or not be held accountable to the FCRA compliance. When notified of the error they reply with account verified.
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 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 XXXXXX/XX/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: Information belongs to someone else

On XX/XX/2022 Equifax placed a collection account of {$1200.00} by XXXX. XXXX. I reached out to EQUIFAX voicing this was fraud/identity theft. Also, advised this account was placed on my credit report 2 years ago and was deleted and reported as fraud with proof of the info being fraud. I am a victim of Identity theft. I also reached out to the collector and credit bureaus voicing my concern. Now it has been reported again on my credit report. This debt does not belong to me. I DO NOT HAVE ANY KNOWLEDGE OF IT
Complaint sub-issue: Investigation took more than 30 days

My husband and I requested a credit investigation in late XX/XX/XXXX. Equifax and XXXX XXXX have not responded yet, despite follow-up attempts.
Complaint sub-issue: Reporting company used your report improperly

NELNET HAS BEEN USING MY REPORT WITH OUT PERMISSON This is grounds for removal and monetary relief immediately. 
My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions. 

The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period.
Complaint sub-issue: Account information incorrect

My loan amount due reported was incorrect and I received an 8 month delay on reporting to the credit reporting agencies. The amount due was originally reported XX/XX/XXXX as verified by an agent with XXXX XXXX XXXX XXXX and all payments have been made on time and the account current. Though the amount due was just reported via Equifax on XX/XX/XXXX and caused a XXXX point deduction to my credit report incorrectly. Lastly the amount due showing is incorrect at {$6000.00} when the actual amount is {$5900.00}. Please assist in having this rectified and fix this discrepancy as it's causing me a major financial setback. Thank you very much.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear XXXX Equifax XXXX XXXX I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX  emergency service reported service of XXXX XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has already been given with no response from XXXX and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

I've filed a dispute with PNC Bank credit card company where XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Where I am housed at the XXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my DOC number is XXXX. I looked on my credit report, I seen a account from PNC Bank that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in prison, with a copy of my XXXX prison Identification ID from the XXXX XXXX XXXX XXXX which is a legally issued state ID with my Social security card. Which could've all been verified by the Department of corrections had this company did a proper investigation into this matter. Where they sent me a response on XX/XX/XXXX stating that they needed more information to conducted an investigation. state : the account was opened on XXXX, XXXX At that time we were provided with name address and other identifying information. First of all I would agree to disagree and for these reasons if I have been incarcerated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this facility would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Theres fraudulent accounts and negative information listed on my TeleCheck Consumer Report. The information is fraudulent information and accounts, not my information and dont belong to me. I was just released from prison, and was incarcerated for over 17 years. Review the attached documentation. My TeleCheck Consumer Report shouldnt have any adverse information listed on the consumer report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied for a Discover card a few days ago online at : https : //www.discovercard.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   I did this for the 0 % financing on balance transfer for 18 months.

I liked this offer and applied. I was accepted and a screen popped up saying I was approved for 0 % financing up to 18 months for up to {$7500.00} on balance transfers.

Now I go look at the account online and Discover changed the terms to 10.99 % financing for 14 months with 3 % transfer charge.

I received the account and have good credit at XXXX, but no reason given for the 'bate and switch ' of promotions.

I have chatted with their representatives online, and they refuse to honor the agreement, and can give no explanation why.
Complaint sub-issue: Account information incorrect

I have an account reporting with XXXX XXXX XXXX XXXX I sent in a request to XXXX & Equifax to investigate the data reporting because I saw some inconsistencies between them. They both claim to have done a proper investigation yet it isn't possible to have two different last active dates on the same account.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$1.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have paid a collection off in XX/XX/XXXX. The closed account reported a collections on XXXX of XXXX. I am trying to get this removed from my account. Please help me with this. I have reported this to XXXX XXXX and they said they did not report this, only the credit reporting agencies can change this. I reported this to XXXX, equifax, and XXXX, and all 3 said it met their reporting standards even after I have called each reporting company twice to get this account removed or updated. I have filed a complaint with cfpb and this account has NOT been verified or updated. The account is XXXX XXXX. See attached documents. I would like this account removed from my credit report immediately.
Complaint sub-issue: Public record

This judgement was satisfied and still showing open on my account. I request this account to be closed and satisfied. This information is hurting my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX have violated my rights. 15USC 1681 section 602 8 states I have the right to privacy, 15USC 1686 section 604a, section 2i also states a consumer reporting agency can not furnish my account without my permission.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I have a {$75.00} debit gift card issued to me by my employer. ( XXXX XXXX ) When I tried to use the card it asked for a pin number. I do not have a pin number. I tried calling the numbers on the card. XXXX and XXXX on XX/XX/XXXX at about XXXX in the XXXX. The person I spoke to asked for my work address. After giving them my complete address they still would not give me the pin number. Card has an expiration date of XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX/XXXX  ; how are you doing? Listen, I'm really shocked that I'm reaching almost 90 days counting on the last dispute that i sent to both the creditor and credit bureaus base on the way this account is reporting but yet they've failed to respond. There is absolutely no way that this can take this long, despite the fact that we're facing COVID-19. Impossible! It also continues to report incorrect dates of last active, dates of last payment, 1st date of delinquencies, etc. It's not right! I was told that the account needs to report 100 % accurately according to the law and it also needs to be verifiable! This account is not verifiable and it's incomplete. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Account status incorrect

I WANT TO OPT OUT ASAP OF EVERY CREDIT BUREAU OR CREDIT INFORMATION COMPANY THAT HAS MY NAME AND INFO IN IT
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Each year I have to reapply for Income Driven Payment plan for my student loans. My payment for XX/XX/XXXX was {$170.00}. I received an email on XX/XX/XXXX advising that my payment will increase to {$420.00} on XX/XX/XXXX if I do not reapply by XX/XX/XXXX. I submitted a new application with new financial information ( pay stubs ) on XX/XX/XXXX and received a confirmation email that it was received. Then I received an email stating that my application was approved on XX/XX/XXXX but on XX/XX/XXXX I received an email stating my payment still had increased to {$420.00}. I called into XXXX  because I had provided all the information and got my application prior to the deadline and received the approval notice. The representative advised me that for some reason my information never got processed but could n't give me a clear reason as to why. My new and largely increased payment was coming up and I had to provide more income information since it had been past 30 days of the original pay stubs I sent in. Because I would not be able to make the new payment of {$420.00} by the due date and I did not know how the it would take to process AGAIN I had to opt for one month of forbearance while they were AGAIN processing the information I had to resend in. I received another email stating my application was approved on XX/XX/XXXX. But because of the forbearance my credit score dropped 48-58 points between XX/XX/XXXX and Equifax on XX/XX/XXXX. I called a XXXX representative and they did not provide any help. I am extremely upset because this was not my fault that I had to do a forbearance because they did n't properly process the information the first time. Along, with I was not late on a payment. My credit score should not be affected for the errors that XXXX made.
Complaint sub-issue: Was not notified of investigation status or results

It has been over 30 days since Ive reached out to the credit bureau and it still has not removed these negative items from my credit report or provided me with a validation of the alleged debt therefore under the FCRA act these items must be removed. Ive attached both of the letters Ive sent in here as a reference which I sent certified mail and I have a copy of the return receipt verifying these letters were sent. I want these items removed from my credit report immediately and I want to be sent and updated copy of my credit report. Ive also attached my identification documents below, my ID, my social security card and my recent utility bill to verify my identity.