Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

i am filing this complaint because XXXX, XXXX  and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX XXXX opened a FHA mortgage loan using my identity information on XX/XX/XXXX for an amount of {$180000.00} without my authorization. It then concealed the loan information for six years and started using the loan account when it took over the mortgage servicing right from our last mortgage lender and servicer XXXX  XXXX XXXX, XXXX in XXXX. XXXX lowered the loan balance of it's fraudulent loan account to {$160000.00} to match the balance of it's assigned Deed of Trust. 
In XXXX XXXX maintained one Deed of Trust and in XXXX XXXX created two Deeds of Trust in response to FHA Hamp loan modification program. However, all three Deeds of Trust were created to secure the loan balance of the fraudulent mortgage loan account that XXXX opened on XX/XX/XXXX. 
I found the mortgage loan open date for the first time on XXXX of XXXX. I filed an affidavit of identity theft with FTC on XXXX. I also reported the matter of identity theft to XXXX and mailed it the paperwork it asked me on XX/XX/XXXX. I sought debt validation pursuant to FCRA identity theft regulation. However, XXXX did not do any investigation or provide me any response to my debt validation mail. XXXX on XX/XX/XXXX closed the disputed mortgage loan account but continued all kind of collection activities since then.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I went to PNC bank on XX/XX/2018 to withdrawal {$500.00} the teller was busy at the time with other things..then she told me there was only {$44.00} left. I said that was impossible. and she told me to move on. checking with my XXXX XXXX account it shows PNC bank is " pending '' to take out {$500.00} thrus showing only a {$44.00} balance. when I went back to the bank on friday the same teller told me to leave. I tried to speak to a Manager and they were to busy.. 
I would like my {$500.00} released asap thank you
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

It's regarding student loan with Firstmark Services. They have negatively reported to credit bureau due to late payment but the notification for credit report policy was not delivered properly. Also, it has misled the clients to make a payment until the end of the month. For example, my monthly payment was paid on XX/XX/30 before end of the month, but Firstmark Services has reported before end of the month even though we are not aware exact deadline time that we must pay in order to avoid any issue with my credit history. As a result, it has affected personal credit report very bad even though it has been paid properly. Firstmark Services ' goal is not making clients credit score lower, but they are doing the payment process for clients correctly. Even though we have spoken to customer service supervisor XXXX, she did not care anything about personal credit score which could huge impact on our family in this tough financial difficulty.
Complaint sub-issue: Their investigation did not fix an error on your report

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquires.
Complaint sub-issue: Problem using a debit or ATM card

I have been unable to withdraw cash at ATMs with my debit card or get cash back at the Point-of Sale ( Tried to withdraw cash on Friday XX/XX/XXXX ). I tried to call the bank on XX/XX/XXXX but the wait time was more than one hour, I gave up. Tried to call them today XX/XX/XXXX, have been on hold for over an hour, still no response. Tried their chat today, wait time indicator says 140 minutes. I also sent a message on XX/XX/XXXX via the secured message center on the Etrade mobile App. As of of XX/XX/XXXX, I still haven't heard back from Etrade via the secured message center. Etrade seems completely unresponsive to customers.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau 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 XXXX Balance {$220.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$74.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$9100.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$6900.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XXXX  XXXX, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed an account fraudulently opened under my name, US BANK. I disputed several times and sent certified mail along with police report, FTC affidavit and related docs how ever dispute is not resolved
Complaint sub-issue: Debt is not yours

The refuse to follow The social security act that states that i am not responsible for the debt as I had Medicaid at the time of the bill.
Complaint sub-issue: Account information incorrect

I have been trying to get a validation of debt request fulfilled for many many months with no success. USCB America has failed to respond to me in a timely manner and I have received XXXX itemization of the debt I allegedly owe. Please delete USCB from my credit report immediately. 

Also, I was informed that XXXX & XXXX would be deleted as part of the settlement payment. The settlement has been fulfilled but the account still remains on my credit. Please delete.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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: Information belongs to someone else

This agency failed to provide me with how they verified these alleged debt when requested. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # 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: Information belongs to someone else

I am writing to you because you are my last hope as I am very sad and I do not know what to do.. I found accounts in my profile that I do not recognize. I do not know the origins of those accounts and can not understand the fact how they appeared in my profile. Please help me and check those accounts and if it is possible remove them because they are not mine and killing my report significantly! I am young professional and I need to move on in my life however due to Identity theft I can not afford many things now, and I am in critical financial situation. Hope for understanding and that you soon delete them from my account.
Complaint sub-issue: Account information incorrect

There's incorrect information reporting on my credit report. please remove as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

A security leak affecting Equifax rendered my financial information potentially vulnerable to use by criminals who may steal my identity. There is nothing I can do to ensure that my social security number is n't used by someone years from now to steal my identity.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not recognize hard inquiries from CBNA/Best Buy on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from XXXX.
Complaint sub-issue: Account information incorrect

I received notification on my alerts through Equifax that a new credit collection account is appearing on my account at Equifax,  XXXX  and  XXXX  on   XXXX   XXXX   XXXX     with  XXXX   XXXX   XXXX   XXXX . I disputed the same with documentation. First, the last payment date indicates   XXXX   XXXX   XXXX     which is in the future. Second, I do not have gas service at my present location and have been at my present location of   XXXX   XXXX   XXXX   for over a year. I received not notification of such account and no request for verification of the same. Also I am in the process of purchasing a mortgage to close on   XXXX   XXXX   XXXX     and ended up paying this amount which is still reflecting as unpaid, even though I do n't believe this account balance belongs to me but possible the new tenant at the location I left behind over a year ago, I paid as I cant proceed with the loan process with the outstanding amount listed in collection. So it is paid in full. I have proper documentation of both my current lease and the paid in full. I am requesting that this account be removed from my credit reports as I was never given proper notification for verification purposes, I was not living in this home during the delinquent period, and I have not paid a debt I do n't believe belongs to me.
Complaint sub-issue: Investigation took more than 30 days

Agency did not provide me the consumer the following information.

The Following information is required. Please fill out the form below in its entirety.

1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful :
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Initially on XX/XX/20 I received a threatening phone call from a XXXX XXXX stating she was going to file legal action with XXXX XXXX county unless I called them back at XXXX, and that my case number was XXXX She also called my XXXX year old grandmother and parents, threatening legal action and to come to her place of residence. Which when I called they said that it was regarding a personal loan that I hadnt paid with loan me totaling {$7300.00}. They stated they are a proceedings office called XXXX they would not give me an address. They said I must pay in full or they would proceed with legal action and I would be responsible for all legal fees for a total of {$15000.00}. They forced me to set up payments which I couldnt possibly afford bi-weekly otherwise they said I would have to pay the {$15000.00}. After I did research and spoke to a legal representative they told me not to pay them anything until they gave me a written validation notice. I called them back on XX/XX/20 to ask for this document and they refused. Then on XX/XX/20 they once again called and said since I didnt pay they were going to proceed with legal action. That same day XXXX XXXX called my XXXX year old grandmother and screamed at her, threatening to come to her residence. She also left messages on my Parents phones with the same general message of proceeding with legal action and coming to their place of residence.
Complaint sub-issue: Information belongs to someone else

this is my second attempt to write to consumer protection bureau, i have been a victim of ID theft and three unfortunate accounts were opened under my name with out my knowledge, i have attached my police report due to that matter, please help me in this issue, i do not know where else to turn to, you are my last hope, if i had the money i would have definitely hired a lawyer to resolve this issue, but unfortunately i do not, please i would greatly appreciate you help thank you
Complaint sub-issue: Information belongs to someone else

Six months ago A Georgia Company called XXXX XXXX entered a false report of a delinquent. XXXX Account. I went through the process of contesting the Debt and they were unable to provide any proof of Debt. 
They have now either sold or transferred this fraudulent charge To MRS Associates in XXXX XXXX New Jersey. 
Do I have to go through the whole process of proof of Debt letters agin to this different company? 
IS it legal for collection agencies to just keep selling or transferring a debt that his been proven to be unsubstantiated?
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX  XXXX, XXXX   XXXX XXXX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX was collecting on two XXXX  XXXX XXXX debts ( account numbers XXXX and XXXX ). These items were paid in XXXX. The last payment prior to charge off with XXXX  XXXX XXXX was prior to XX/XX/XXXX. This puts this debt outside of the FCRA obsolescence time frame and they should NOT BE ON MY FILE. 

XXXX incorrectly put the date of last activity for payment at XX/XX/XXXX ... WHEN THEY RECEIVED THE COLLECTION FROM XXXX. This is incorrect. 

A company should not be able to just manipulate the activity date to maintain accounts on credit file beyond the federal requirement for obsolescence.
Complaint sub-issue: Company closed your account

I Got a fraud call from XXXX XXXX - XXXX XXXX XXXX at XX/XX/XXXX @ XXXX XXXX EST, asking for my VISA or XXXX or DISCOVER Card numbers to decrease credit limits. 
I said you are a fraud, and i am not giving any details - ( I worked for VISA so i recognized it as a fraud call ). 
Then i was shocked, when he gave my Discover Card Balance and  other details. 
Then he said he is going to closing my account. 
I said this is not possible. 
Then he said he have complete details of Discover card to close them. 
Then i disconnected the call to contact Discover. 
Meanwhile i receive a call from another number XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, same person laughing and told my Discover Card account is closed. 
I was Shocked and immediately contacted discover support @ XXXX XXXX EST over Chat, and later @ XXXX XXXX over phone ), to report this fraud. 
To my surprise Discover Card Support said my account is closed few minutes back, and i said i haven't requested for it, and explained them what happened earlier. 
XXXX from Discover Card support said " we understand your concerns but they can not do anything as the request came from my phone number ''. 
I said this is a fraud call, and i want to escalate this, and fix this issue ASAP. 
XXXX from Discover Card said they can not do anything, and said he will send this details to accounts department. 
I asked for a ticket number, XXXX said he don't have Ticket number, but said this conversation was started on a Memo line XXXX.
Complaint sub-issue: Investigation took more than 30 days

I XXXX XXXX the consumer I am writing this statement and no other. I sent a dispute to EQUIFAX using the FCRA 1681b not giving EQUIFAX any consent to furnish or report anything on my consumer report. This is in reference to XXXX XXXX XXXX account They sent me a letter stating that this iI need to send ID which was included when I sent the dispute.this is part of their stall tactics. I am here to file a complaint against Equifax for non compliance. I have attached the letter sent to them received on XX/XX/25 tracking number.
Complaint sub-issue: Public record

I have a chapter XXXX bankruptcy that I filed in XXXX of XXXX. I finished filing in the start of XXXX but decided I was going to pay the creditors myself instead of going through with the chapter XXXX. On several occasion I have called equifax they stated that they were deleing my chapter XXXX and it would reflect on my credit report within 30 days but when the 30 days came up it was still not deleted. I even discussed this with a supervisor who stated that it should only take 24/48 hours and it still was not deleted. I was told that the chapter XXXX was supposed to be deleted 7-10 years from when I filed and it has been over 10 years. I would like the chapter XXXX deleted from my credit report.
Complaint sub-issue: Other problem getting your report or credit score

I have been trying to get my credit report from Equifax for the last 9 months. I have also been trying to have unverified accounts removed. When I called Equifax they said that they were not able to verify my identity and I would need to submit a copy of my ID and Social Security card which I sent to them. I waited a month called back in and they said that they did not have it and I needed to resend it. I sent it back to them by mail and also by fax and got the same results. After repeating this process three or four times Equifax still would not send me an updated copy of my report and have not removed the unverified accounts.
Complaint sub-issue: Debt was paid

AFNI informed me that if I paid the debt they would delete off of my credit reports. AFNI is still reporting as a collection on my XXXX and XXXX credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these item, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Case Number : XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX bank name : XXXX XXXX XXXX pulled my credit report which is showing a medical collection item listed for the amount of {$660.00} which does not belong to me. Tried to contact the medical provider no such address or phone # listed.

XXXX the merchant account # XXXX   which comes up as a fraud company.

Went on Equifax.com to dispute this entry. Turns out this medical collection item doesn't appear on my credit report so that I can submit a dispute.

XX/XX/XXXX Contacted Equifax at XXXX and spoke with a representative about disputing this medical collection item. He responded were not showing that you have any outstanding medical collections on your credit report. He provided me a confirmation # XXXX.

My question is how does the XXXX XXXX XXXX pull this credit report ( Equifax ) showing this medical collection and Equifax doesn't show this medical collection on my report.
Complaint sub-issue: Account information incorrect

On XX/XX/2022 I sent a letter to Equifax concerning an erroneous account furnished by XXXX. The Account in question had multiple errors across all 3 bureaus and did not reflect the information I had concerning the account. I have had this ongoing issue with XXXX and they have never given me valuable proof of the charges on the account they have against me. XXXX  records of this account are misconstrued and I believe XXXX used predatory and illegal tactics on my account. I then sent a letter to Equifax questioning their reinvestigation process because not one time did they call me or notify me that a reinvestigation was taking place. I then on XX/XX/2022 wrote a formal complaint to the XXXX about Equifax and XXXX about this erroneous account and the NEXT DAY without doing any investigation they sent their response. As per the generic response of Equifax that I sent to the XXXX I never asked for the account to be verified or wether the account was mine. I notified Equifax in the reporting error of XXXX. Not one time in their reinvestigation did they contact me as a consumer. Allowing information to be furnished on my consumer report as they see fit is one sided and against the law. An account can not be verified if the consumer was never notified and there is no first hand knowledge of the account. If there were indeed errors in the reporting of the account that was furnished how can you say NOW the account is 100 % accurate when none of the information furnished matches across all three bureaus. This is a direct violation of the FCRA and I do take items on my consumer report lightly. Basically in Equifax 's response to the erroneous account is that they did not do an independent investigation of the account in question but sent XXXX an email for verification and waited for XXXX 's response and they even admitted that they have no records of this account at all and they are simply going off of he say of XXXX. If they have no evidence of this account and are simply letting furnishers dictate what to put on a consumers report when this account has affected my livelihood and my ability to obtain credit is horrendous to say the least.