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

This is a complaint against the Fraud Department and Special Needs of Equifax in XXXX and English, I am a victim of identity theft for more than two of us, and they have many reports that I have sent to them, to dispute and to remove those accounts from my report, but it is who have said that the police report that I uploaded say they do not meet the requirements of the investigation department and that the police report is fraudulent. In other words, the XXXX XXXX XXXX Police Department, Fl XXXX, made fraudulent reports the XXXX  fraud department. They are affirmed that this report is false. The accounts I am disputing are seven ( 7 ) and one of them Equifax is reporting double is XXXX/XXXX # XXXX for an amount of {$16000.00}, and the other is from another account # XXXX, XXXX   XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX   XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX. And the following inquiries, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. These accounts do not belong they were not opened by me and this is why I go to the Consumer Finance bure so that you are witnesses that the department of fraud of Equifax in XXXX do and say what they want at such level to discredit the police with fraudulent reports according to XXXX. I invite the board or do not know which department receives these complaints, audit their employees and be more cautious when it comes to accusing and saying that a state police  department makes false reports and that their officers are corrupt because they are pretending to do these false reports. As they say they are false, here I am going to ask that this department be contacted to see who is right. I feel humiliated by the Department of Special Needs that manage my credit becauseI have sent via upload through the email which they send to me after I have talked to them. I comply with everything asked of me and even then they dont remove the accounts even with a police report and according to law which they are supposed to remove within 5 days.
Complaint sub-issue: Trouble with how payments are being handled

Hello- XXXX XXXX has been servicing my loans for three years now. I continue to make monthly payments way above the monthly payment. XXXX has made it very, very difficult to take the additional payment amount and allocate it to a specific loan series. Origiannaly I was told to submit a standing order with instructions on how additional payments should be allocated. I did this and the letter was ignored. I called in to customer service to ask for this to be done over the phone. They told me to submit a form. After explaining I already had and asking to speak with a supervisor A request was submitted to reallocate. These calls typically take an hour during workday. I spend a lot of time educating the agent in the process and my rights. It then takes weeks or months for the really payment to be correctly credited. And I have to continue to follow-up via phone. Last month I called to do this for several payments. The processing agent asked me to check online in10-14 business days for the adjusted payment break downs. It was not done then so I called back. Another agent told me to wait a month which I have done. The adjustment should haves been made. I asked the agent when I can expect to see the adjustment and he told me that was backed up, he would ask his supervisor and then told me he could not provide a timeline. He asked me to check back later, already a month after. He explained the department was backed up. In the meantime, I have continued to make payments monthly. These payments also need to be targeted to certain loan sequences. I am left waiting for prior adjustments to be completed before I can even request these new payments be allocated. This an unacceptable processing delay and unresponsive customer serivce. I should not have to battle with service provider to have have additional payments correctly applied. XXXX continues to process payments in manner that is financially beneficial to them and ignores my request.
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting act XXXX account # XXXX violated my rights. 
15 USC 1681 Sect 602 state I have the right to privacy.

15 UCS 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open account consumer credit plan as late for any purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) Was signed To stop adverse credit reporting during the COVID-19 crisis Under the amended FCRA, if a `` furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments.
Complaint sub-issue: Their investigation did not fix an error on your report

The inaccurate accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00}
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 719XXXX has me at a score around 590. 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 us 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 abusing consumers .This 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 n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive 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 job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Complaint sub-issue: Problem making or receiving payments

It is too difficult simple to link my PNC checking account to my XXXX account. I called at least 3 times and issue was not resolved, and I visit branch and it is the same.
Complaint sub-issue: Their investigation did not fix an error on your report

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Complaint sub-issue: Account status incorrect

My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, XXXX, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information! 

The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.
Complaint sub-issue: Information is missing that should be on the report

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Card opened as result of identity theft or fraud

DISCOVER XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX CREDIT CARD ACCOUNT WAS OPENED ON FRAUD, I HAVE ALREADY SENT DOCUMENTS TO CREDIT AGENCIES XXXX, XXXX AND XXXX, THEY HAVE CONFIRMED DISCOVER HAS RECEIVED THE DOCUMENTS AND CONCLUDED ACCOUNT IS CLOSED. YET I AM RECEIVING CALLS FROM DISCOVER ABOUT INVESTIGATION, PLEASE CLOSE THE FRAUD ACCOUNT THIS WAS OPENED BY MY ROOMMATE " XXXX XXXX ''
Complaint sub-issue: Debt was paid

Hi, I had service with a phone provider ( XXXX ) My services were disconnected on XX/XX/XXXX. 

My unpaid balance in the amount of {$220.00} was assigned to a collection agency ( XXXX XXXX XXXX ) and I started making payments on this unpaid balance in XXXX of XXXX. 

My payment arrangement was set up to be 4 automatic payments of {$56.00} beginning on XX/XX/XXXX - XX/XX/XXXX. 

I completed this payment arrangment and all 4 payments were withdrawn on the below dates : XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} There was a auto-payment error on the collection agencies end where the payment for XX/XX/XXXX did not get auto-drafted. I called the collection agency to confirm this and they informed me payment would resume on the following month no issues. 

After paying my final payment to the collection agency to fulfill my obligations on XX/XX/XXXX there was no communication afterwards between me and the collection agency ( XXXX XXXX XXXX ) or my previous phone service provider ( XXXX ). 

On XXXX  XXXX, XXXX, I received a written collection notice from another collection agency ( XXXX ) that I had a unpaid balance due from ( XXXX ) in the amount of {$110.00}. 

I contacted my previous phone service provider ( XXXX ) and the previous collection agency ( XXXX XXXX XXXX ) to get an explanation on where this additional balance owed was coming from and why this was not communicated sooner or included in the amount assigned to the collection agency I made payment arrangments with. I have not been able to get a reasonable answer. 

I believe the amount owed was falsely represented when I made my original payment arrangment in XX/XX/XXXX with the assigned collection agency. I received no communication/notice that additional monies were owed/due from either the agency or my previous service provider between the time I made my last payment on XX/XX/XXXX through the time I received a written notice on XX/XX/XXXX. 

This balance is now with a third collection agency ERC and was added as a negative debt owed to my collection report on XX/XX/XXXX. I've been disputing it ever since I received the notice on XX/XX/XXXX.
Complaint sub-issue: Was not notified of investigation status or results

Im sending this complaint on behalf of myself and not a third part as you have suggested from the past. I'm a victim of identity theft and this has been going on way too long I'm tired of these reporting agencies playing games.
Complaint sub-issue: Information belongs to someone else

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized credit inquiry. Fraud..
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX. Account name : XXXX XXXX  # XXXX. Account name : XXXX  # XXXX, Account name 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Deposits and withdrawals

I had a deposit come through to my account for {$800.00} ( my account was prior negative {$260.00} ) and several debit transactions followed. The credit of {$800.00} shows that it was applied to the account followed by the debits ; However I was still charged overdraft fees for each item that posted after the deposit/credit ( 3 fees total ). When contacted the bank ( PNC ) I was told that it was deposited yesterday but they held the funds until this morning. I was told prior that credits post before debits. so if my act is negative $ XXXX and a {$800.00} deposit comes in my balance should then be {$540.00} and the remaining debits should then come out. Even though this is what shows how the transactions processed I was still charged over draft fees. 

When I went in yesterday to ask the bank about this they told me the deposit probably wouldn't be available until 2 or 3 in the morning- it is a Reg CC Funds Availability that funds have  to be available the start of the business day they are available at XXXX XXXX. I feel like they held my funds unnecessarily and cost me {$100.00} in fees for no reason. 

In the last week, I have also had checks clearing my account same business day. I work at a bank and know this is virtually impossible unless the check is cashed at the bank it is being drawn from. Off the bank endorsements on the back of these checks- this is not the case. I was told at time of opening the account that I have until the end of the business day to make it positive if it goes negative. I will go to sleep with no checks clearing the account ( with checking it at XXXX XXXX ) and will wake up with a check clearing the account with yesterdays date. How can a check clear same day but it wasn't showing on the account earlier? How can I bring money in to bring the account positive if you are putting a past date on it? 

I feel like PNC is violation Reg CC and Reg E.
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX I received an email stating my application was denied for employment by XXXX. They were given a background report from Checkr and this report is inaccurate. I had my XXXX  set aside in the state of Arizona in XXXX. I contacted Checkr and they are still reporting the incorrect information regarding my criminal history.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Account # XXXX, XXXX and XXXX XXXX XXXX  Account XXXX XXXX have 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

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Can't close your account

ABOUT A YEAR AGO I ASKED CITICARD TO CLOSE MY ACCOUNT BECAUSE OF CHARGES THAT WERE NOT MINE AND TO NOT ISSUE ME ANOTHER CARD. THEY ISSUED A CARD ANYWAY.I CALLED THEM TO CANCEL THE CARD AND THAT I WAS NOT GOING TO ACTIVATE IT AND WAS DESTROYING THE CARD. THEY SAID THEY WOULD. TOWARD THE END OF 2016 I GOT A E-MAIL THAT I NEEDED TO PAY A BALANCE ON THE CARD.I CALLED THEM AGAIN AND THEY SAID THEY WOULD CLOSE THE ACCOUNT AND WRITE OFF THE BALANCE.THEY DID NOT.I CALLED THEM AND ADDITIONAL TWO TIMES AND THEY SAID THE SAME THING THAT THEY WOULD CLOSE THE ACCOUNT AND WRITE OFF THE BALANCE. SO FAR NOTHING HAS BEEN DONE AND I AM GETTING DAILY COLLECTION CALLS AND E-MAILS.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to XXXX, Equifax and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to XXXX and XXXX and 30 days Non Response to Equifax. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to Equifax and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to Equifax, XXXX and XXXX. The three credit bureau continued to report this Unverified Account.

At the same time I sent 4 dispute letters to XXXX XXXX XXXX which the first 3 letter were sent certified. XXXX XXXX XXXX responded to each of my letters with a letter of their own. Their letter stated We have completed our investigation of your dispute concerning this account and included a copy of a billing statement. XXXX XXXX XXXX continued to report this Unverified Account. They failed to validate the account and provide me with any contract or agreement that I signed.All they have sent is letter saying this a valid debt and a billing statement. 

XXXX XXXX XXXX, Equifax, XXXX and XXXX   needs to be held accountable for their misleading, false reporting and lack of a investigation. 

XXXX, Equifax and XXXX has NOT provided me with who verified these accounts? 

a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be  verified. 

XXXX, Equifax and XXXX has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws. 

All I asked was that the credit bureaus show me how they verified this debt and what XXXX XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated.
Complaint sub-issue: Public record information inaccurate

On  X/X/17   , I emailed  the Executive office from Equifax about inaccurate information on my credit report. The Executive office emailed  me on  X/X/17    to try to r esolve the issue. I explain to the Executive office that I have an fraud alert on my credit report and I have submitted an police report. I have disputed many items on my credit report that was not authorize by me. I also disputed the bankruptcy on my credit report. I have spoke with the Federal court a bout them verifying bankruptcy on my credit report ; I was told by the court that they never verified any bankruptcy for me. I do n't know what kind of system these credit bureau use to verify information, but it is not accurate. On yesterday I received my update credit report, which the bankruptcy was deleted from my file. I loo k on   XXXX   XXXX   thi s morning and my score has dropped  XXXX  points, because Equifax has decided to add the bankruptcies back to my credit report. I have already spoken with the  Federal Court about verifying and the court stated that they never verified anything with the Equifax about bankruptcy. I need Equifax to resolve this issue, because if not I will hired an attorney to suit Equifax for not verifying acc urate information with the creditors.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I sent NELNET XXXXffidavit of Truth and a Invoice. 
They are in violation of : 15 Us Code 1692j. ( a ) 15 US Code 1692g. ( b ) 15 US Code 1692e. ( 1 ) ( 9 ) ( 10 ) I have invoiced {$5000.00} for these violations to NELNET
Complaint sub-issue: Their investigation did not fix an error on your report

Credit score was lowered drastically more than XXXX points based in incorrect balances, incorrect credit limits and definite incorrect usage % They have provided data that clearly shows they are in error and have caused damage and personal hardship.