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

On XX/XX/XXXX and several times before I sent in a certified mail # XXXX XXXX XXXX XXXX XXXX to XXXX , Letter to Equifax Certified Mail # XXXX XXXX XXXX XXXX XXXX request for correction to my credit report as it related to incorrect reporting on a XXXX XXXX Account, which was transferred to XXXX XXXX XX/XX/XXXX. <P/>XXXX XXXX finally corrected my credit file to reflect the Date of First Delinquency for that account to reflect XX/XX/XXXX. Per The Fair Credit Reporting Act Section 623 ( 5 ) ( a ) '' A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss or subjected to any similar action, shall not later than 90 days. '' My contention is per the attached information from XXXX : Delinquencies remain on the credit report for seven years, so the account will show the late payment and the charge off history for the seven years from the original delinquency date ( Date of First Delinquency ). The original delinquency date is the date of the first missed payment that led up to the charge off status. <P/>The original date that led to the charge off status was XX/XX/XXXX. Being that XXXX XXXX took well over the legal statutory reporting to report the charge off, I should not be penalized. Once XXXX XXXX was transferred the file, they should have reported the charge off by XX/XX/XXXX ( within the 7 year time frame ). <P/>The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. <P/>The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7.5 years from the date of first delinquency ( DOFD ). <P/>I believe XXXX/XXXX are guilty of re-aging my file, which is against the law. This item should have been purged. If XXXX XXXX had to internally charge off my account and they decide to do it in XX/XX/XXXX i should not be penalized with reporting of a debt from XX/XX/XXXX. A delay in XXXX internal business processes should penalize me and my family XXXX has not responded to my dispute as of XX/XX/XXXX. <P/>Please let me know if you can assist. <P/>Thank you, XXXX XXXX
Complaint sub-issue: Personal information incorrect

I have, in the past, reported to Equifax and the other two Reporting agencies, that they have listed an address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ) which is not mine and never has been, but they continue to list that address as a past address. 

Equifax also lists two mortgages, we only have one for {$250000.00} with XXXX XXXX.
Complaint sub-issue: Debt is not yours

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that THE FOLLOWING ACCOUNT IS NOT MINE : ENHANCED RECOVERY CO. # XXXX, demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Complaint sub-issue: Debt is not yours

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests via certified mail, the unverified items listed below still remain on my credit report in violation of Federal Law. You failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. 

Please remove account PROCOLLECT # XXXX I never had a contract with this debt collector for any debt.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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  If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.
Complaint sub-issue: Information belongs to someone else

I pulled my credit report and noticed several accounts that do not belong to Equifax Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 


n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, I submitted a CFPB complaint ( # XXXX ) detailing how Upgrade, Inc. incorrectly reported a missed payment for XX/XX/XXXX to my credit report. Upgrade admitted the error, apologized, and sent a letter to the credit bureaus advising them of the error. 

However, in the reporting cycles since then, they once again, started reporting the incorrect missed payment for XX/XX/XXXX. I disputed the missed payment with XXXX, who contacted me to let me know that they would not be correcting the information on the report. 

I have ONCE AGAIN attached my screenshots and correspondence from Upgrade noting the incorrectly reported missed payment and their apologies. Please please please let this be the last time of me dealing with this and fix my credit report!
Complaint sub-issue: Debt is not yours

ACCOUNT ADJUSTMENT BUR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has reported a charged-off account in the amount of {$900.00} to the credit bureaus and is causing a negative effect on my credit report. I do not know this company. I have never done business with this company. This company doesn't have a contract with my signature.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$470.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1200.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$240.00}
Complaint sub-issue: Reporting company used your report improperly

DISPUTE CODE - 103 My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate accounts I have listed. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across my XXXX, XXXX and Equifax credit bureaus. I would like this account deleted from my credit report profile. 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 an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across XXXX, Equifax and XXXX credit bureaus. I would like this account to be removed from my credit report profile. 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 an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Complaint sub-issue: Information is not mine

Equifax continues to list us bankruptcy ct FL XXXX on my credit file This does n't belong to me Not my public record Never mine
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX XXXX representing XXXX, XXXX is trying to collect on debt not owed. Debt collectors keep sending repeated offers to settle this debt to incorrect addresses and with repeated calls followed by questions about filing taxes and paying off Federal Loans. I am at risk for identity theft.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/2018 I did a mobile check deposit of {$300.00} to my bank. According to the bank details and transaction balance, the check was posted in full to my account that day bringing my balance to {$320.00}. I also made a payment for {$290.00} which, according to the bank records displayed to me, was deducted and left an account balance of {$34.00}. Despite having a positive balance, the bank charged an overdraft fee of {$37.00}.
Complaint sub-issue: Information belongs to someone else

I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a XXXX XXXX  arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.
Complaint sub-issue: Funds not handled or disbursed as instructed

Pnc has made a change that prevents me from being able to link my financial accounts. I need to link my checking account with my XXXX account so that I can add funds. I have called the bank and they state it will not connect because XXXX uses a service provider called XXXX. 
Thank you
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: Notification didn't disclose it was an attempt to collect a debt

Enhanced Recovery Co L- disputed this company 2 years ago as a result of fraudulent activity. Debt item was removed as a result. They have re-inserted the debt unto my credit report and have re-aged the debt stating it is NEW. No previous attempts have been made to contact me neither by phone or letter advising me of this unlawful debt neither.
Complaint sub-issue: Old information reappears or never goes away

The Equifax Credit bureau must remove an old account that is ready to fall off my report I have tried several times to get this account removed
Complaint sub-issue: Reporting company used your report improperly

Under the COVID Forbearance CARE ACT, Laws, I can not be reported as having late payments as I am protected under the pandemic. The holder of my mortgage/ deed has violated my rights and the law. XXXX XXXX, Home Mortgage is currently showing that I have late payments in XXXX ; XXXX, during my COVID Forbearance Care Act. I signed a Mortgage Modification, which both parties agreed upon and I've been paying on time, with no late or delinquent payments.
Complaint sub-issue: Information belongs to someone else

I have had problems with the credit reporting agency removed the items off my report and allow a company to put it back on Equifax i was a victim of identity theft and i have sent them so many documents proving all this over and over the company is XXXX and they sold the account to a collection agency and the information is not mine they took it off twice and it is back again also XXXX XXXX same issue they dont have my social in there system only my name. XXXX is on all three report im so tired of waiting on them to put it back in despute over and over this is not fair and they are not doing things according to the fair credit act. And XXXX  has inquiries on my report from identity theft and they date back XXXX year i have sent all documents in I want them removed. This is too much stress to much.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$25000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Debt was paid

After agreeing on a settlement, satisfied my end of the agreement. I returned the requested equipment to XXXX for the debt, and called XXXX and provided a receipt number. A couple weeks later, I called to get a letter saying I paid the debt, but they said they did not get a receipt number and I still owe money. They would not bother to look up the earlier notes, and said I have to dispute the debt. After making the agreements, they are refusing to honor their side. It still remains on my credit score with the balance on full.
Complaint sub-issue: Problem accessing account

My complaint is regarding PNC Bank access to linking to third party apps via the XXXX service. Theyre one of the top banks listed but for some reason, they only allow themselves to be linked to specific apps, despite many third party apps supporting XXXX and giving the option to link PNC. Some apps go through without a hitch and others fail every time whether their two factor authentication is enabled or not. This needs to be corrected and I almost guarantee its all dependent on who pays PNC to allow it. In this specific case, the app is XXXX but I also had the same issues linking to XXXX while no issues at all with the XXXX app.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXXXXXX XXXX ***Fraudulent charges & do not belong to me XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ph : XXXX This sham of a collection company has reported a Collection debt on my personal credit report with XXXX, XXXX XXXX XXXX FRAUDULENTLY which has affected my XXXX score dramatically. This debt is fraud and debt does not belong to me. I am in my legal right to request it be investigated and removed immediately from all credit reporting agencies and this company should be investigated for illegal collection practices.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a few concerns about inquiries on my credit report. Is it true that in order to pull someones credit report you need permissible purpose to do so? If that is the case, then these company below pull my credit report without my authorization.
Complaint sub-issue: Seized/Attempted to seize property

Sent tow truck onto private property to reposess car. 
Tow truck driver acted on behalf of Susquehanna by advising me of an incorrect amount I needed to pay to get my car back. 
Tow truck driver acted on behalf of Susquehanna by telling me he could not leave property without taking car. 
Susquehanna violated their own policy by repossessing car after only XXXX payments missed. 
Susquehanna collection department employee, XXXX XXXX, tried to discourage me from pursuing further action ( eg complaint, bankruptcy ) while offering no assistance in helping me rectify situation.
Complaint sub-issue: Their investigation did not fix an error on your report

In   XXXX  2013   , I began contacting  NelNet to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late. NelNet either switched auto-pay systems or upgraded, I do not  recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every t ime I called NelNet, the cust omer service rep would tell me that my balance was  XXXX . I received another round of calls/mailings offering assistance, called  NelNet " balance   XXXX   ''. Several times, I did this. I suspected that  the calls/mailings were some type of identity theft issue, like the kind  XXXX   XXXX  and   XXXX   XXXX   XXXX   previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however,  NelNet sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus.   < P/>
I was so exhausted dealing with NelNet, and in disbelief that they would not correct/reverse the erroneous report { to the credit bureaus }, I did not know what to do.   I did  not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other  XXXX  accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over   XXXX   XXXX  , I was clearing out a box of documents to shred and came across the forbearance approval letter from NelNet. Once again, I am hoping to correct this error to ensure that my credit score is updated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in f ull.
Complaint sub-issue: Banking errors

I received a promotional offer on XX/XX/2021 to earn {$50.00} for completing a direct deposit into my checking account. 

I completed the terms and conditions of the offer as of XX/XX/2021 ; however, the {$50.00} bonus has not posted to my account. The terms of offer state that the bonus would be posted by XX/XX/2021 ; however, the {$50.00} bonus has not posted as of yet. 

I contacted Credit Karma and XXXX XXXX regarding this matter, but neither firm is responsive and the {$50.00} bonus has not posted to my account. 

I called XXXX XXXX  numerous times on XX/XX/2021 but they refused to speak with me or service the account, and referred me to Credit Karma. 

I spoke with XXXX at Credit Karma on XX/XX/2021 at XXXX and he was unable to assist me other than " escalating '' the case within the organization.