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

I PULLED MY CREDIT REPORT FROM EQUIFAX AND DISCOVERED THERE WE'RE 3 ACCOUNTS ON MY CREDIT REPORT THAT WAS NOT MINES AND ONE HAD REACHED THE 7 YEAR MARK, I DID AN ONLINE DISPUTE, WHEN THE RESULTS CAME BACK ONLY ONE ACCOUNT WAS DELETED AND THE OTHER 3 REMAINED SAYING THEY WERE VERIFIED. I CONTACTED EQUIFAX BY PHONE AND THE REP I SPOKE WITH I EXPLAINED TO THEM ONE OF THE ACCOUNTS REACHED THE 7 YEAR MARK AND TO PLEASE REMOVE ( XXXX XXXX XXXX ) THE REP REFUSED TO REMOVE. THE OTHER ACCOUNT FROM XXXX & XXXX XXXX I HAVE NO CLUE WHAT THIS ACCOUNT IS. THE REP REFUSED TO DISPUTE THE ACCOUNT AGAIN I ASKED THE REP WHAT KIND OF VERIFICATION DID THE COMPANY SEND AND THE REP PUT ME ON HOLD, CAME BACK TO THE PHONE AND COULD NOT PROVIDE ME ANY EXPLAINATION AS TO WHY AND HOW THIS ACCOUNT WAS VERIFIED. EQUIFAX ARE NOT FOLLOWING THE PROPER PROCEDURES UNDER THE FAIR CREDIT REPORTING ACT. THE COMPANIES CAN'T PROVIDE WITH ME ANY ACCURATE INFORMATION SO HOW ARE THEY VERIFYING THAT THESE ACCOUNTS BELONGS TO ME. I WANT THESE ACCOUNTS DELETED OFF MY CREDIT REPORT FOR FAILURE TO PROPERLY VERIFY THAT THEY BELONG TO ME, AND THE UNIVERSITY HEALTH HAS REACHED THE SOL AND NEEDS TO BE REMOVED
Complaint sub-issue: Their investigation did not fix an error on your report

I recently had a change in my credit report with Equifax after inquiring about a " closed date '' that wasn't be reported however after doing so the " balance date '' on several US Dept of Education Loans was updated to XX/XX/XXXX which looks as if this account was recently settled. That of which is not the case as they were settled on XX/XX/XXXX as noted in the attachment ( Credit Reference Letter ). I have attached two credit reports noting the changes as well. This change it date makes it appear that I in default/delinquent until XX/XX/XXXX which has impacted my credit score significantly. 
I have attempted in good faith to resolve this matter with Equifax and US Dept of Education however the numbers provided for the Dept of Education are non working numbers.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. *XXXX, XX/XX/2020. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX  card partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XX/XX/2019 in the amount of {$12000.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Complaint sub-issue: Account information incorrect

We are being denied Housing due to XXXX XXXX ( a third party servicer ) that no longer was a Servicer for my old Mortgage with XXXX XXXX. My old Mortgage of $ XXXX was sold to XXXX XXXX who had XXXX XXXX be there Third party Servicer in XX/XX/XXXX. On the Equifax report that These Property management companies and Mortgage loan places are Recieving is that there were two combined mortgages at a Grossly Incorrect balance of {$420000.00}. ( XXXX  XXXX XXXX ( In XXXX this mortgage was sold to XXXX at {$210000.00} & XXXX, a third party servicer at {$210000.00} at a total of {$420000.00} ) is showing up on my Equifax Report. Please get removed Immediately. We are being Denied Housing due to this. Thank you. Best regards, XXXX XXXX and XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, we contacted XXXX to dispute a subscription charge to XXXX. XXXX would not permit us to cancel an unused alarm service without knowing the account password. We answered the questions for XXXX. We asked that the charges for XXXX be stopped on XX/XX/XXXX. XXXX sided with XXXX and permitted the XXXX charge stating that we failed to prove that we tried to cancel the subscription with XXXX. On XX/XX/XXXX, we cancelled the XXXX credit card upon hearing their decision. On XX/XX/XXXX, after closing and paying off the entire remainder on the card, XXXX by XXXX XXXX XXXX permitted another charge from XXXX services.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX, for committing identity theft. I have never given XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX any right to collect on this alleged debt. 
I have never received any documentation requesting validation from XXXX XXXX, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX, continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Complaint sub-issue: Debt is not yours

Jeferson Capital Systems XXXX XXXX XXXX XXXX XXXX MN XXXX Other credit reporting agencies have already deleted the unverified account because they couldnt produce any verifying documents that verifies the debt was mine according to the Fair Credit Reporting Act.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act XXXX XXXX XXXX, XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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: Keep getting calls about my loan

A company named Allied Interstate is calling harassing me about my ex-husband, XXXX XXXX 's student loans. I have explained at least 5 different times that my cell number is not his number. I do n't have another phone number for him. Several reps repeated his last address they have on file. That is the last known mailing address I know he has. I do n't interact with him. I was left a message by an employee that he would continue to call until I provided another phone number to reach XXXX XXXX.
Complaint sub-issue: Company closed your account

I have had a discover credit card for almost 5 years, never missed a payment. I enjoy their services so I decided to open a checking account. I did got my card, added funds to my account. Then i get a message saying my account was closed based on business decisions. No solid answers and that my money would get sent by check in 60 days! I have a reputable history with them so I do not understand why they treated me like this.
Complaint sub-issue: Debt was paid

XXXX XXXX from Como Law Firm called me today regarding a debt that I do not owe. He would not answer any questions about the debt and became angry and extremely rude when I said I would not make any type of a payment to him without understanding what it is he says I owe. I informed him that I have saved email communication from the apartment manager that he is claiming I owe this debt to in which the manager is telling me there was a glitch in their system and I OWE NOTHING but he would not accept the information. I asked him exactly what the debt was for and he could not answer that question. I then asked for an itemized list of what the debt is for and he said " Did you not just hear me, XXXX? I do n't have it. '' and he hung up on me. I pay my bills and have excellent credit and do not want to pay a debt that I not only do not owe, but do not know what is for. XXXX XXXX spoke to me in a degrading, rude manner and I do not deserve this type of treatment.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/2022, I have attempted several times to dispute the transactions with XXXX, but either they do not understand, or they just refuse to listen. I have listed the items in the attached papers, with the final amount disputed of : {$1100.00} Two the excursions I did not even go on, those two amounted to : {$370.00} ( See yellow highlighted area ). They did in fact acknowledge that they charged me twice for two other items and would issue a credit for that. 
Then I was charged a total from this card, a total that I am disputing with you, but only {$1200.00} was authorized, as XXXX had already charged my XXXX ( Checking Account ) in the amount of {$1100.00}. 
I have attempted so many times to explain the discrepancies with them, but they have refused to understand that I was overcharged and charged for items I did not attend and timely de-scheduled. One of the items was canceled, and then put back on the schedule, but by that time they had already taken me off the schedule and I was scheduled for something else. 
Please kindly review the included documents and I dispute the complete charges from XXXX. I accept the listed items but I do not find it fair I have been charged for items either twice or in absence of me attending due to their error. 
Despite the many emails sent to CitiBank Credit card, and the ample documented evidence, they have refused to refund me the monies owed. I showed them the duplicate charges, that even XXXX admitted to but nothing is ever done. This is a substantial amount of money and Citibank refuses to do something about the many documented fraudulent charges made by XXXX, including the duplicate charges. 
I started my dispute with Citibank XX/XX/2022, realizing the duplicate and non-participating charges ( they said I went on excursions, I clearly did not ). I got nothing from them, and again requested assistance in XX/XX/2022, then after a denial of the claim because someone failed to read the CLEAR duplicate charges and the non-participating charges made in such an egregious amount, it was denied again. They were not even looking into it or disputing it for me. They let XXXX get away with clear amounts of fraudulent charges.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Talked to a third party about my debt

hunter warfield has contacted my wife 's parents multiple times as well as my brothers mother in law try to get in touch with me, after we contacted them and gave them updated information ( i.e. address, telephone, and email ) we have requested a detailed bill explaining why i have an outstanding balance, and have never received it. last time i talked to the guy 1. he was a XXXX and questioned me as to why i needed a bill, and 2. i told him we would n't be paying anything until we got the detailed bill.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX {$0.00} XXXX XXXX XXXX {$14000.00}
Complaint sub-issue: Account status incorrect

on my student loans 90 day late is reporting, but to my knowledge these 90 day lates are inaccurate. hence attached letter, i was recovering from life and death accident which happened to me in 2014. i questioned the creditor to remove the delinquencies but, they explained that i had to be a veteran in order to be qualified for the removal of the delinquencies. i have attached the letter that i have also submitted to the creditor and to all XXXX  bureaus, please go through my letter carefully and you will see that i have been in the worst situation and i do deserve to be given a second chance. i would greatly appreciate for your cooperation in this matter. gratefully yours, XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The I.C. SYSTEM, INC XXXX, XXXX, XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

I.C. SYSTEM, INC XXXX, XXXX, XXXX
Complaint sub-issue: Debt is not yours

I reject your offer to contract I did not consent to any nonaffiliated third party XXXX XXXX XXXX ACCT # XXXX to be in possession of my Nonpublic Person Information. This is notice to cease and desist all communications and furnishing false credit information on my credit reports is also considered communications. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. I have reason to believe that the Original Creditor, XXXX XXXX XXXX, EQUIFAX are all conspiring against me trying to collect on a extension of credit through unlawful extortionate means. By putting this false credit information on my credit reports your damaging my name and credit worthiness. If you do not remove this false credit information immediately ill be forced to Seek justice under all my FEDERAL RIGHTS. The collection of this extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. Remove this false information immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a hard enquiry that was on my credit report ( Equifax, XXXX ), and I received a letter from XXXX XXXX saying that they had ask for the removal of the hard enquiry as the hard enquiry was made for TV service that I didn not authorize, but as of todays date, XX/XX/XXXX, it is still showing on my credit reports. I have a letter from XXXX XXXX that says they submitted the request back on XX/XX/XXXX. I am a victim of the data breach ( equifax ), back XXXX, 2017. I have a security freeze on my report. I want the credit bureau to honor the request to " REMOVE THE HARD ENQUIRY FROM THE CREDIT REPORTS AS IT LOWERS MY FICO SCORE ''. I DID NOT AUTHORIZE THE HARD ENQUIRY.
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this collection on this XXXX  XXXX  & XXXX XXXX for months.XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Complaint sub-issue: Deposits and withdrawals

On today XX/XX/2022 I went to the PNC Bank @ XXXX XXXX XXXX XXXX Pa XXXX. To deposit funds into my Savings Account. After a brief wait I was called to the window by a XXXX female teller who was dressed in all black. And the first question she asked me was. Why didnt you use the ATM? After knowing the fact that here In XXXX theres an increase of armed robberies and senseless killings here in XXXX Pa. At various Banks including PNC ATMS. And since I happen to be an immediate family member of a Murdered Victim so its a personal and heartless offense against me as a PNC Bank Customer. And when I addressed the question to the Bank Teller on why did she ask me that question? She responded in a irresponsible and arrogant way. Now this isnt the first time when Ive been disrespected by a PNC Bank Employee because sometime ago at the local neighborhood bank @ XXXX XXXX XXXX XXXX XXXX XXXX the then XXXX Bank XXXX had asked me the same question after already knowing the high XXXX on XXXX crime wave in this community. Once again these are nothing but continued harassment and retaliation tactics
Complaint sub-issue: Debt is not yours

AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.
Complaint sub-issue: Can't use card to make purchases

I paid full balance on XX/XX/XXXX from checking account to CITI Diamond secured MasterCard. Opened to build credit. I have no credit cards. 

After paying, I Received all verifications validations money received. Verified money out of checking Acct. tried to use card multiple times. Reply Declined.

Finally contacted institution via phone for 52 minutes on hold and transfers. They have account on hold even though they have taken my funds and they used language payment float to justify reasoning. Said we can call my bank to verify the money they have received that is no longer in my account. Ask where my call was routed to : Answer XXXX. 

Ask for American representation : same go around fraudulent attempt to know my banking account information to reverify the funds they have already received. I cant access my fund during a pandemic unemployed period due to fraudulent practices by CITI Diamond secured MasterCard account. 

Do they use my funds during these 12 days I have no access? Is there any case where it takes 12 days to verify a payment already received and posted?
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.REMOVE THE FRAUD ACCOUNT ASAP!
Complaint sub-issue: Debt is not mine

Issue descriptions shown- Debt is not mine is closest to describing the situation. There is NO debt. 
Alleged creditor is XXXX. Purchased phones from XXXX XXXX 2013. Not satisfied with service. Returned phones within 10 day satisfaction period. XXXX attempted to collect {$320.00} for termination. At first attempted to not allow portage of phone numbers to XXXX. After 3 1/2 hours at XXXX, vendor in store was finally successful in accomplishing this. 
When I requested for XXXX to provide a copy of the contract proving the debt was valid, they did not. After attempting for several months to collect by making harassing phone calls, XXXX turned the {$320.00} amount to an initial debt collector. 
This debt collector actually sent written communication about collection. I requested that they provide written documentation that the debt was valid ( any documents such as a contract ). Just like XXXX, they did not. 
This debt collector then apparently sold the alleged debt to another collector- AFNI. I did not receive any written communication from them about collection. I believe this may be in violation of the FCRA. They made several harassing phone calls. I requested that they provide written notification about attempted debt and to not contact me anymore until they have provided that. They never have. They also have not provided written documentation that the debt is valid. Since they never gave written notification as to what the debt was ( XXXX ), it has not even gotten to the step of my requesting that they provide written proof of the debt. 
Instead, they have added this item to my credit report and show it is in collection. As well, it is showing in the report that they have turned it over to attorneys for collection. I believe this may also be a violation of the FCRA since it is merely an intimidation ploy. 
Based upon complaints I have read about AFNI, they are unscrupulous in their methods and have many violations of the FCRA on their record. They added it to my credit report without providing any written documentation about the collection OR written documentation showing proof that the debt is valid. They add it to a credit report as leverage to collect the debt and did not act either ethically or legally. 
My credit score was XXXX prior to this item. I have had only XXXX missed credit card payment due to a delay in the mail on my report prior to this. It is now down to XXXX because of this item. I disputed it and Experian indicated that it is valid. I am not sure how AFNI was able to prove that it was valid since they have never communicated with me via any written form. I would like to have this item removed from my report entirely and also pursue legal action against AFNI due to violations of the FCRA. 
Please advise. 
Thank you.