Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : PUGET SOUND COLLECT. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, WA XXXX. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. It has been 60 days since I mailed that out, and under the FDCPA, the debt collector had 30 days to respond, and did not, which is a violation of the FCRA and FDCPA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and PUGET SOUND COLLECT has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. In addition to this, they're reporting that they originally purchased this collection on XX/XX/2013. The statute of limitations starts when a debt FIRST becomes delinquent. Even if the first delinquency of this erroneous debt with the original creditor was on the SAME date that this debt collector purchased the debt, there would only be 9 months left in the statute of limitations. Title 4, Chapter 16 of the Revised Code of Washington ( RCW ) outlines the various statutes of limitations for debt collection in the state. RCW 4.16.040 gives written contracts and accounts receivable a statute of limitations of 6 years before the unpaid debt becomes time-barred. RCW 4.16.080 stipulates that oral contracts have a statute of limitations of 3 years. Thank you for helping me resolve this matter.
Complaint sub-issue: Application denied

Applied for credit card online from Citi and received denial letter. Letter stated " your existing or previous account with us has a history of late payments '' based off of XXXX report. Requested XXXX credit report, to review and found 0 late payments.
Complaint sub-issue: Problem with personal statement of dispute

I am challenging the information listed on the response from LEXISNEXIS with facts directly from the reporting site in which they claim they investigated this issue in the first place. In their response they state " Through a recollection of the bankruptcy record, LexisNexis determined that the name, address, and last XXXX digits of the social security number originally filed on the full bankruptcy docket obtained from Public Access to Court Electronic Records ( PACER ) match Ms . 
XXXX name, current address XXXX XXXX XXXX XXXX XXXX, FL XXXX and full social security number reported to LexisNexis by the nationwide consumer reporting agencies. There is misinformation in this statement. They claim they verify the last four of my SSN to match the information listed in PACER however in the next line they state they verified my FULL social as a match. How can this be? Per PACER 's information listed " In a XX/XX/XXXX session, the Judicial Conference approved amendments to the Federal Rules of Bankruptcy Procedures and the Official Bankruptcy Forms. The amendments implement the conference policy on privacy and public access to electronic case files. These amendments took effect at all courts on XX/XX/XXXX. As a result of this decision, only the last four digits of the SSN are  displayed on all reports. If the full social can not be verified on this documentation how can this be accurate information? Furthermore I do NOT believe you reinvest-gated anything staff for several companies including XXXX XXXX is down due to on-going stay at home orders in place. How was a re-investigation completed in less than a week after my complaint was submitted?
Complaint sub-issue: Deposits and withdrawals

In XX/XX/XXXX, I found out I couldnt login in to my online banking, so I tried reach customer service, but they told me there is a hold and can not tell me why and what happened. So I go down to my home branch, and I spoke to the branch manager, he said will help me find out what happened and whats going on. The same day afternoon I received a call from the branch told me that my account will expect closure and they will not able to provide any reason, and about the money that still in my checking account, they said they dont know, and said there is no number I can call or can ask when I will get my money back. Also I have a secure credit card account I put down XXXX deposit and dont know when will be refund to me. They just tell me wait for the mail. They will mail me the check but there is no date or any information. Until now no one contact me and no mail coming to my house. All my money left over its inside I dont know how to pay my bills and my rental payment, I want my money back.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed hard inquiries and submitted an FTC report to all 3 credit bureaus regarding fraudulent accounts. 

XXXX - XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 Equifax - XXXX XXXX XX/XX/2021 XXXX - XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021
Complaint sub-issue: Old information reappears or never goes away

I have old addresses, phone numbers, and wrong names on my reports.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXXXXXXXXXX is currently reporting late activity. This account was paid in XXXX 2016. As a result, I am exercising my rights under the FCRA. In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 15 U.S.C 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: Trouble using the card to pay a bill

Company - US Bank Reliacard Issue - Account was locked out without notice at the end of XX/XX/2020. At this time, there is no access to any PUA money that was dispersed to the account via online, transfers, ATM, etc. 

35 phone calls have been made to US Bank Relicard, each time with a different answer and excessive wait times. The requested information ( proof of identity ) has been faxed to US Bank Relicard 4 times, each time to a different number as provided by customer service. No one ever has an answer other than " check in 4-6 business days ''. Then when you call back, they request the proof of identity to be faxed again. 

Over 7 weeks have gone by with no access to PA PUA Funds.
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/18 i sent a dispute to equifax in regards to a incorrect reporting on my credit report. this debit is not mine. so how can they have validated this debit. i still have not received a response from the creditor or any supporting documents from equifax in regards to this debit beside a credit report updated that list the debit as accurate. its is a false reporting and equifax has not fixed it. i was giving no knowledge of this debit before it was placed on my credit report.
Complaint sub-issue: Reporting company used your report improperly

XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX ( XXXX, XXXX ), # XXXX ( Equifax ) XXXX  XXXX XXXX Account # XXXX XXXX XXXX, XXXX ) XXXX # XXXX ( Equifax ) XXXX Account # XXXX ( XXXX, Equifax ) 1 ) I submitted my original dispute to Equifax on XXXX. 
2 ) I received no response at all. 
3 ) I filed a complaint with the CFPB on XXXX for Equifax violating the rules of the Fair Credit Reporting Act. 
4 ) Equifax finally responded on XXXX without adequately responding to my dispute of them violating the Fair Credit Reporting Act nor have they provided proof of these creditors having permission to furnish these accounts on my consumer report. 

15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy. I never gave permission for Equifax to share my report with these or any other creditors. 

15 U.S.C. 1681 section 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. Equifax, nor these creditors, has received my written permission to furnish these accounts on my consumer report. 

15 U.S.C 1681i Section A states a consumer reporting agency, upon a consumer dispute, must conduct a reinvestigation to determine whether information is inaccurate and record the current status or delete the item from the file before the end of the 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer. Equifax did not provide evidence of or conduct an investigation within the 30 days after I submitted my dispute ( XXXX ). In fact, they didnt respond or investigate at all until I submitted a complaint with the CFPB. Under the Fair Credit Reporting Act that is a violation and all disputed accounts must be REMOVED from my consumer report. Equifax still has not provided proof of a reasonable reinvestigation simply stating the accounts have been proving verified without evidence, yet there are CLEAR inaccuracies in the reporting of said accounts. 

As you can see in my credit report in the attached documents the information these creditors and credit reporting agencies, including Equifax, have furnished on my consumer report is not even consistent let alone accurate. Had Equifax done a reasonable investigation at any point they should have been able to spot these inaccuracies. Instead they have unfairly affected my ability to receive fair credit costing me opportunity. Each infraction of my rights is punishable by no less than {$1000.00} per violation. All accounts must be REMOVED from my consumer report immediately. 

Equifax has not provided any evidence of me giving these creditors permissible purpose to furnish any of this information on my consumer report! That is a clear violation of the Fair Credit Reporting Act. All accounts must be REMOVED from my consumer report immediately! Equifax, being a consumer reporting agency, is responsible for these violations of my rights.
Complaint sub-issue: Account status incorrect

I have been having problems with Fedloan for over a year. I have sent them messages and been on the phone with them more times than I can count. They reported me as late many times when I was supposed to be on an income based repayment plan and my payment was approved at {$0.00}. Then, right about the time Covid 19 started or just before, Fedloan decided to report three of my six loans with them as delinquent. I then applied for a consolidation loan and asked that it be with them since my other loans were still with them. That was a mistake because they somehow denied my consolidation. My credit score has been so badly affected that my wife and I were recently denied a loan for a new home. I have worked for the same XXXX XXXX for 7 years and we pay our bills on time! There is no reason why this should be happening to me. They denied my application for public loan service forgiveness too. It has just been awful dealing with them. I need some relief and some help.
Complaint sub-issue: Investigation took more than 30 days

IT IS NOT A DUPLICATE : I am outraged by how unprofessional Equifax is. Ive been waiting for a response on my dispute I sent over since XX/XX/2020. I also sent in a demand to comply in 30 days letter which I was told no one received. I have factual proof and evidence. It is now XX/XX/2020. I called in on XX/XX/2020 and was told by an Equifax agent that my letter was received on XX/XX/2020 and not XX/XX/2020 she stated and mentioned that the disputes of account inaccuracies will no longer remain on my credit report as of XXXX, XXXX, 2020. I have proof the accounts were removed but remained on my consumer report. That is a dirty game being place. My actual address is XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX. All other addresses are to be removed, XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX. XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX. I disputed the other addresses which werent removed. I have no knowledge of the other addresses listed in the attachment. Please remove them now. The accounts were removed and placed back on my consumer report. I have the evidence to prove every rat game Equifax tried to do. I have notated and took pictures of every contact with Equifax. Here is the agent name and badge number. XXXX XXXX with Equifax : XXXX. I am now really upset and distress at the fact that this incident is lingering and I have now filed a lawsuit do to the fact of Equifax not responding and playing games. I am XXXX at this point. This was not my first attempt to contact them. Theyve now been past 120 days and they act as if no documents were sent in and I sent in everything. This is my 3rd time sending documents in still no change theyve violated my rights at this point within section 807 in the FDCPA.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Other problem getting your report or credit score

I called Equifax to report a fraudulent credit card account on my credit report it was a XXXX department card that did not belong to me. I called them to dispute it and to have them investigate it. In doing so the representative I spoke to must have erased my credit profile because any credit report site I go on to pull my equifax report says there is an error. I logged into my XXXX app and it says its unable to pull my Equifax report. I logged into Equifax and nothing after the month of XXXX shows.
Complaint sub-issue: Personal information incorrect

- We purchased a new home in XX/XX/2019 and moved to a new address. 
- in XX/XX/2019 I applied for my third and final student loan for XXXX XXXX ( two previous loans approved. I have high 800 fico score -  Student loan declined not for credit, but due to Equifax not finding my credit file -On XX/XX/2019 I was instructed to call Equifax which I did and they informed me that they could not find a file under my name with that social security number or address.They requested me to fax a  letter with a copy of my social security card, drivers license, utility bill, -On XX/XX/2019 I faxed all of the above items as well as my old drivers license from my previous address and my new driver 's license from my new address and even sent them a copy of my grant deed on my new home - On XX/XX/2019 Equifax sent me a letter informing me that the fax we sent was illegible and they sent me a list of new items to send them. 
_On XX/XX/2019 I made color copies of all of the requested items including a copy of my W2 from work. I also include a copy of a Factual Data report that was run by our home loan lender. This report shows my name however the last four of my social security is incorrect. I pointed this out to them in another detailed letter along with several pieces of documentation per their form letter. I sent this letter via USPS priority mail as I am in need of my third student loan to complete my XXXX XXXX degree. 
-On XX/XX/2019 I received another form letter from equifax identical to their XX/XX/2019 letter. 
On XX/XX/2019 I ran my own credit report for the 3 major bureaus. I received two of the three reports with my correct personal information except for Equifax that would not provide me a report with the online information I provided. 

I am a XXXX XXXX  in an XXXX XXXX XXXX as well as going to XXXX XXXX. 
I am not a credit seeker and both my husband and me have outstanding credit. 

We sent the items as requested by Equifax. We sent more items than they required as well as their own report that shows they have my wrong social security number. 
It is unfathomable that this so-called Credit reporting agency can  provide accurate reports for me for over 10 years and now all of a sudden they can not find my file, creating a significant problem for me obtaining my student loan. No because of poor credit but due only to their inability to correct my credit report. 

-It is noteworthy that all the other credit bureaus list my name as XXXX XXXX XXXX except for Equifax that lists me as XXXX XXXX . 
Also noteworthy is that the last 4 digits of social security number Equifax is using is " XXXX '' WHICH IS NOT MY SOCIAL SECURITY NUMBER! 

Please help me as I need to register for my next semester and can not due to an Equifax error. This is now compounded due to their terrible customer service and form letters. 
Again please help me. I hope that someone is not in the process of stealing my identity!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  has wrote off the account as profit & loss but continues to report a balance. The account should not be reporting a past due balance on my credit. I have disputed with all 3 credit bureaus but they all continue to report.
Complaint sub-issue: Information belongs to someone else

ALL CRA CONTINUE TO REPORT ACCOUNT NOT MINE AND NEVER DONE BUSINESS WITH " THE XXXX XXXX XXXX '' ACC # XXXX AND ACCOUNT OUTDATED REPORTING VIOLATED " FCRA '' SECTION 607,609 AND 611
Complaint sub-issue: Account information incorrect

My Equifax and XXXX credit report shows a late payment on my XXXX XXXX credit card for XXXX, XXXX. It should not show a late payment. It shows that it was updated XX/XX/2022, but the late payment is still showing.
Complaint sub-issue: Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account that has a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX Account # XXXX Account # 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 an account without my written instructions
Complaint sub-issue: Problem getting my free annual report

I tried to login and get my free credit report and got the run around. 
Experian Denied me access. Said I already recieved one which is wrong. See attached file. 
Equifax stated " online delivery is unavailable '' which is a lie other wise why would the second window say " return to your report ''. Razzel dazzle. See XXXX attached screen captures. 
XXXX said " Credit report Unavailable '' for some reason. 
Tried to obtain reports on XXXX separate days so bogus excuses. 
Everything points to them trying to boost earning on my back. 
I obtained a report in 2012 but not now. 
All XXXX reporting agencies did not give me a report online. I have gotten one in 2012 but now they have made the system not give you a report and want me to pay them money. 
I am very unhappy with them and believe they should be shut down.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted XXXX, XXXX, and Equifax on XX/XX/2021 by Certified Mail regarding removing unauthorized inquiries. 35 days later, these inquiries are still showing on my credit report. I sent another Certified Letter on XX/XX/2021 requesting that the inquiries be removed.
Complaint sub-issue: Information belongs to someone else

Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX about the unauthorized account that appears on my credit report I request the following account to be delete and removed off my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX '' Open Date XX/XX/XXXX Amount {$260.00} Account XXXX .Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Equifax credit report due to my identity been stolen.
Complaint sub-issue: Reporting company used your report improperly

I HAVE NEVER GIVEN XXXX, XXXX OR EQUIFAX ORAL OR WRITTEN CONSENT TO PLACE THESE ACCOUNTS ON MY CREDIT FILE. THIS IS ALL FRAUD '' XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX and XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX. THESE ACCOUNTS NEEDS TO BE DELETED XXXX IS VIOLATING MY RIGHTS AS A CONSUMER THIS IS FRAUD. 

XXXX EQUIFAX IS VIOLATING MY RIGHTS AS A CONSUMER AND THEY NEED TO DELETE THESE COLLECTIONS IT IS FRAUD. 

XXXX XXXX IS VIOLATING MY RIGHTS AS A CONSUMER AND THEY XXXX XXXX XXXX THESE COLLECTION OFF MY CONSUMER FILE
Complaint sub-issue: Reporting company used your report improperly

In a accordance with the fair credit reporting act XXXX  accounts listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Creditor did not respond to the investigation within 30 days
Complaint sub-issue: Account status incorrect

On XX/XX/2022 I wrote to XXXX XXXX XXXX in regards to my auto loan being reported as late for XX/XX/2022 as all three ( 3 ) credit bureaus show it was late. On XX/XX/2022 XXXX XXXX XXXX sent me a letter stating that based upon their research they are not reporting any delinquency for XX/XX/2022. I want this negative reporting removed from all three ( 3 ) credit bureaus immediately as it is inaccurately reported on my credit file.