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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX DOB : XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : Credit Bureau Service {$2800.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports.

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney.

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX Cc : XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME, THIS ACCOUNT HAS BEEN HINDERING MY CREDIT AND I NEED IT OFF MY REPORT AS SOON AS POSSIBLE. I DID NOT AUTHORIZED THIS ACCOUNT TO BE REPORTING ON MY REPORT AND I ASKED THAT THIS MATTER BE INVESTIGATED.
Complaint sub-issue: Information belongs to someone else

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX IN ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Balance : {$30.00} ; XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$150.00} XXXXM XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Complaint sub-issue: Overdrafts and overdraft fees

I have maintained a personal and business checking at PNC Bank since on or around XX/XX/XXXX. My system of personal finances operates on a cash-to-account basis. This means I will make several cash deposits through the week, as needed for purchases. I also frequently check my account balance via the PNC Mobile application, and have account alerts setup when my balance reaches below {$100.00}. On Sunday XX/XX/XXXX I received an email notifying me my available balance was {$33.00}. Again on Saturday XX/XX/XXXX notifying me my balance was {$5.00}. Seeing no issue as I was coming in the next day to make a deposit, I refrained from making any purchases that would overdraft my account. On Tuesday XX/XX/XXXX I received an email notifying me my account was overdrawn and balance was negative - {$85.00}, of which {$72.00} was 2 overdraft fee 's ( {$36.00} x 2 ). I attempted to resolve this with a banker on XX/XX/XXXX at the PNC branch office ( XXXX XXXX XXXX, XXXX XXXX, MO XXXX ). The banker advised me that their systems do not update the balance from over the weekend until Tuesday which is why the available balance information was incorrect, and recommended I call the automated system instead of relying on the mobile app. I can not FATHOM, with the mechanism 's and technology available between PNC and the consumer, why I have to not only make a phone call to get information, but why the information readily available on their mobile/online banking system IS NOT ACCURATE. Had I known that they were going to slow roll my purchases over the weekend and carry them to almost middle of the week, I would have made the necessary deposit to keep the account from going over.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is reporting XXXX charge-off accounts that's been charged off since 2016 with inaccurate dates as well as missed payments days as well. Also, XXXX have violated 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something As stated by the IRS, Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting the XXXX accounts XXXX is reporting as charge-off accounts being inaccurate! 

By Definition, The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says XXXX, XXXXre a furnisher of information to a consumer reporting agency. Per this regulation I stated, XXXX by law is prohibited to furnish inaccurate information. XXXX is not doing nothing about it and it is effecting me and my family. 

I have attached my XXXX report and highlighted the XXXX charge-off accounts that are in question to show them being inaccurate as well as payment history for the accounts.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021, I C System added a derogatory mark with the amount of XXXX USD on my credit report XXXX, XXXX and XXXX  ( Can be seen from XXXX XXXX as well ). Upon, further research, this account was transferred/sold from XXXX to I C System and I, the alleged DEBTOR, did not consent for the reselling of this alleged debt nor contract with either company. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and any person can send a bill and say it is mine. According to FCRA, I C System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. FCRA Sec. 1681q. Obtaining information under false pretenses - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than XXXX XXXX United States Dollars ( {$5000.00} usd ) or imprisoned not more than one year, or both. And also these fraud claims are also in violation of Title 18 U.S Code Section 287.
Complaint sub-issue: Problem accessing account

I would like to link my checking account to XXXX debit card, which is a debit card designed for children. PNC will not allow an electronic connection to be established. XXXX has a relationship and works perfectly with many other banks ( XXXX, XXXX XXXX, etc. ).
Complaint sub-issue: Debt is not yours

This company has reported an account to my credit report that is not mine.
Complaint sub-issue: Company closed your account

After 13 yrs using CITI card on XXXX I was a victim of two fraudulent charges in 2020. As I began disputing charges with XXXX CITI abruptly closed the account w/o my knowledge. Now XXXX  can not process refunds due for {$110.00} balance. CITI reports monthly to credit bureaus that account is past due and is charging fees monthly to a closed account.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

Back in 2021, I received multiple pre approvals from credit karma then they did hard inquiries bringing my score down when I was diligently trying to raise my scores and improve my credit. 
They would say " excellent odds '', and your pre approved, then I would be denied. 
I didn't know I could actually file a complaint against them.
Complaint sub-issue: Debt was result of identity theft

An account with XXXX was opened online in my name by a family member. XXXX XXXX  collection agency originally had the account. I previously obtained a police report and XXXX XXXX Fraud Department sent an affidavit, which I had notarized and sent back in along with any other supporting documentation that they asked for. After doing this, the collection was removed from my credit report ( XXXX  and XXXX  ), which as of XX/XX/19 has been re-reported with another collection agency ( Enhanced Recovery Company ). I don't understand why the credit bureaus keep allowing this to happen after proof has been sent in verifying my complaint.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

In XX/XX/XXXX, I noticed my credit score drop from XXXX to XXXX. Upon looking into the 3 credit bureaus : XXXX, Equifax, and XXXX, the only negative remark they have is from my XXXX account based on the following : late payment in XXXX and high credit amount of {$270.00} on XX/XX/XXXX. These negative remarks have been on my credit report for the past 6 years. This being the only negative remarks on my reports, there is no reasonable explanation as to why my credit score dropped almost 30 points in these recent months. I already submitted disputes with no favorable resolve. I also contacted XXXX  and they have not made any other types of reporting to the bureaus. I can't get a hold of anyone on the phone to explain this drop in points to me. I also have low credit utilization on XXXX  ( a XXXX  balance for the past 2 years ) and less than 14 % on my other credit card XXXX. My loans have been decreasing significantly this year. I am extremely displeased with these credit bureaus. PLease help.
Complaint sub-issue: Didn't receive notice of right to dispute

I DID NOT RECEIVE Notice from ENHANCED RECOVERY COMPAN ( i.e. the Debt Collection Agency ) of my Statutory Right to dispute this so-called XXXX XXXX XXXX XXXX debt of {$1.00}, XXXX. 

Had I RECEIVED Notice, I would have informed ENHANCED RECOVERY COMPAN, that it was attempting to collect a Debt that I NEVER OWED in the first place because I HAD CLOSED the XXXX XXXX XXXX Wireless phone service account due to malfunctioning in XXXX XXXX XXXX provision of service to me. 

Further, I would have informed ENHANCED RECOVERY COMPAN that the Consumer Financial Protection Bureau had vindicated me by ORDERING the REMOVAL from my CREDIT REPORT of the same XXXX XXXX XXXX XXXX debt of {$1200.00} in TWO SEPARATELY FILED CFPB Complaints that I had filed in XXXX & XXXX against two Debt Collection Agencies who had acquired this same so-called XXXX XXXX XXXX XXXX debt of {$1200.00} that ENHANCED RECOVERY COMPAN is now ILLEGALLY attempting to collect. Although I can not readily recall the Reference Numbers of my TWO previously filed CFPB Complaints, these my previously VINDICATED Complaints in XXXX and XXXX are a MATTER OF PUBLIC RECORD.
Complaint sub-issue: Account status incorrect

XXXX XXXX was closed do to fraud. I was able to receive a debt discharge for my student loans based upon their actions. I now have a 3rd party collection company trying to collect on this discharged debt. They are also currently reporting late payments on my credit report.
Complaint sub-issue: Account status incorrect

I received a 100 % VA XXXX XXXX XXXX XXXX determination XX/XX/XXXX with an effective date of XX/XX/XXXX. After which I applied and was approved for a XXXX XXXX XXXX XXXX discharge ( XXXX  ) of my student loan debts through the XXXX discharge office of The US Department of Education as of late XXXX. The credit report states the student loans as paid after I disputed/updated with each reporting agency. However, I needed a letter from the loan servicer stating that the derogatory information related to these loans should be removed. On XX/XX/XXXX, I contacted the department that I'd originally applied for the discharge through, and was told that I needed to contact the US Department of Education Resolution Group for the letter. When I called the first time and explained what I needed the representative said he would email the letter to me. However what I received didn't state that the derogatory information needed to be removed from my credit reports. I called a second time and spoke to a supervisor ( XXXX XXXX at approx. XXXX. The supervisor told me that my accounts were reported as XXXX due to VA XXXX and therefore did not qualify for credit report removal. He also stated that a normal XXXX discharge would remove the derogatory information, but that my account wasn't reported through the XXXX department. I submitted all forms and provided all documentation required to the XXXX department during the application process and believe there to be an error or misunderstanding regarding my student loan discharge and credit reporting.
Complaint sub-issue: Public record

I 've notified, disputed, and re-disputed to each and all XXXX credit bureau 's to accurately and correctly report that my XXXX was Paid-in-Full. All XXXX bureau 's have XXXX different and varying reports listing paid-less-than-full-balance, collections, or unpaid outstanding balance, which pushed into XXXX XXXX - XXXX XXXX, causing severe and discriminating consequences from a rental apartment company. Additionally, XXXX has also failed to update and/or notify or the XXXX credit bureau 's have failed to update their records citing XXXX60 days late, when in fact that should be XXXXNever Late.
Complaint sub-issue: Other problem getting your report or credit score

I got my equifax credit report on XX/XX/2021, send a dispute letter to equifax on inaccurate reported items. I go back to check the results XX/XX/2021 and I have no trade lines, no name, nothing on my equifax report? How is this possible?
Complaint sub-issue: Was not notified of investigation status or results

Hello I sent my dispute letters for the accounts and for the hard inquires to XXXX XXXX, Eqifax and XXXX on XX/XX/2021. I have not heard back about my dispute or with the inquires. I sent the letters asking that the inquires be removed from my profile because I did not approve them. I am not able to get the issue fixed. I have waited over 30 days and have no response.
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX # XXXX is reporting a late that I should not have. I have had this account for a very long time and have never been late. This late was only caused by them posting my payment wrong. This is not my fault it is their error.
Complaint sub-issue: Didn't receive notice of right to dispute

I pulled my credit report and this company was reporting some debt I know nothing about from a company that no longer exists. I have not received ANY correspondence from this company AT ALL about this alleged debt, yet they are reporting this.
Complaint sub-issue: Reporting company used your report improperly

To whom this may concern CoreLogic illegally furnished fraudulent reports stating i the consumer owes debt and infringing upon my right to privacy pursuant to 15 usc 1681b, 15 usc 1692e, and 1692d false and misleading information in my consumer file/report Ive demanded that this information be remove and ask that Remedy be sent through mail.
Complaint sub-issue: Problem during payment process

XXXX Paid {$1500.00} to the wrong AmEx account. Paid Macy 's AmEx instead of XXXX AmEx XXXX I called to redirect the payment to the appropriate AmEx. The representative claimed to have taken care of it. 
XX/XX/XXXX - Still no credit. Spoke w/XXXX ; complaint # XXXX. Promised to mail check in 3-5 days. Over an hour on the phone. 
XX/XX/XXXX - XXXX the supervisor told me that the funds had been transferred to an old Macy 's account and she would have check mailed ; again 3-5 business days XX/XX/XXXX - Supervisor XXXX told me that the closed account had a balance on it ; that account was charged off in a bankruptcy in XXXX. He would need to call me back the following Fri., once he got it straightened out. No call back. That phone call was over 1 and a half hours. 
XX/XX/XXXX - I began phone call at XXXX. Over two hours on hold with Macy 's credit, getting forwarded to a number of reps. Finally got hold of Supervisor XXXX ( XXXX ) XXXX who gave me another case # XXXX. He advised me that the check refund usually takes 7-10 days. He would contact me when he hear back from " them ''. I do not know who that was. 15 days later and 3 follow-up phone calls leaving messages, and no check or explanation. 
XX/XX/XXXX - Spoke w/XXXX who explained that he Needed to call citibank to see what they said.. I sat on hold for over 30 minutes it's XXXX  and when he returned he explained that the department that resolves the checks is still in in process. If I wanted to know more I needed to wait 3 to 5 business days for them to determine whatever they determine. He would not provide me with any further information on how to get my money back. He continued to say that that he could do nothing else for me. I simply had to wait for the citibank people Currently Macy 's has had my {$1500.00} for over 45 days. They do not seem poised to return my money despite the fact that they have acknowledged getting it and say that I need to take care of the bill with them.. Again, the bill they are looking at was written off in XXXX during a legitimately filed bankruptcy discharge. Macy 's acknowledges these acknowledges that information and has since opened me to additional Macy 's cards. One of them was for the XXXX XXXX that I sent payment to inadvertently. 
The money should be returned, and it appears they have no intention of returning it, which in my mind is theft. 
I currently do not have a balance with Macy 's and will be closing my account immediately after I receive my refund.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2021, I received notification that my XXXX and Equifax credit scores had dropped by XXXX points due to the following : -a transferred XXXX  student loan account -incorrect delinquent payment history reported by XXXX, a third party reporter of XXXX -multiple unauthorized hard inquiries I believe XXXX and Equifax both denied my requests to dispute the above, violated my privacy by the unauthorized release of my credit reports and took discriminatory action against me with the sharp decline in the calculation of my credit score when XXXX transferred a student loan account to XXXX XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

I previously disputed with this company to provide me with my HIPPA release form that I signed to see where did I gave permission to this or other 3rd party company to have my medical records. They said they were not breaking any rules and I disagree it is a violations to my right for any 3rd party collections to even have my medical record and I will be reporting this HIPPA as a recommendation by my lawyers and will get ready to follow suit thereafter. 

On the breakdown fees it shows what they did to me and that's private and sensitive information that only my doctors and I should know but unfortunately you also have this information WITHOUT MY PERMISSION!! 

I want them to send me my HIPPA release form to see where does it say I gave permission to them to have my medical records so please provide a copy of my signature Asap. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel very disappointed with this company and I'm ready to file a lawsuit if nothing changes
Complaint sub-issue: Investigation took more than 30 days

attached ftc was sent 3 month ago so did another one will continue to do so until the ftc removed
Complaint sub-issue: Card opened as result of identity theft or fraud

Discover Credit card After continuously disputing discover credit card open fraudulently under my name in the amount of {$8200.00} open on XX/XX/2016. Discover has refused to withdraw and remove this account. I have supporting documentation in which proves I am a victim of identity Theft.

I have summited the following documentation more that 10 times *police report *ftc affidavit * copy of my drivers license & social Under the Fair Credit Reporting Act, states if the credit reporting agencies can not verify the debt within 30 days, then it must be removed. Discover has reported to the credit bureau claim to have " verified '' this debt and evidence proving belonging to me.

but this is in fact not true under law.

Simply responding to the dispute and verifying match up numbers in your database is no sufficient verification for identity theft.

In fact the Credit bureaus not only disputed this account as fraudulent but they also informed discover I was a victim of identity theft and provided police report FTC Affidavit.

Of course the information matches up. Someone clearly used my information without my authorization. The thieves have have all My information but unfortunately i have no control of that. I have place a security freeze on my report to prevent further fraudulent misuse of my identity to apply for credit. 
I have provided more than sufficient evidence to get this false accounts removed. discover financial has made my life a living nightmare ... 

Ive spent time out of work totaling 217 hours ( in result lost wages for absent time ) My anual income is {$110000.00} verifiable Through the IRS. also Im currently In the process of buying my first home in Which Ive funded Ernest money in the amount of XXXX in escrow, due to the fact that discover has reported this fraudulent delinquency on my credit report I will not only be able to close on the property and loose the money that I put in escrow plus additional fees such As Appraisal & inspection for a total of XXXX not including time of work Discover credit services. Has caused me not only my good name and credibility but also monetary losses from work wages for taking time off work to resolve this matter, money lost from escrow account in result of not closing on my home due to the fraudulent XXXX, XXXX XXXX XXXX XXXX by this extreme experience. 
suffering of this XXXX XXXX has drastically affected me with health issues such as XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/21 Equifax was sent a correspondent with written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to remove accounts and late payments from my consumer report which was received on XX/XX/21. Equifax failed to follow my specific written instructions when it came to my consumer report. Ive called several times to have the items removed and was not successful. On XX/XX/21 I sent Equifax a notarized Affidavit of Truth in Support of Criminal Support explaining the violations they committed they received that correspondent on XX/XX/21. I also attached my consumer report and labeled 10 adverse items pursuant to 15 U.S. Code 1681c ( a ) ( 5 ) that should have been excluded from my consumer report. I have not received and update on the written instructions that was provided to Equifax nor did I receive and update on the adverse items that should have been excluded from my consumer report.