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

XXXX, EQUIFAX, & XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX, EQUIFAX, & XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX, EQUIFAX, & XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.
Complaint sub-issue: Public record information inaccurate

I requested how the information in my report was validated and XXXX refuses to provide this information to me without supplying them 12 documents to prove who I am when this is an invasion of my privacy and a way for them to collect more information to sell to the credit bureaus. They are refusing to provide how the received the information on my report. I have contacted the court in XXXX regarding the bankruptcy and they have stated that they do not provide this information to any of the credit bureaus nor do they give this information to public reporting agency such as XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) The property was sold at auction and this account has since been settled. This incorrect reporting is causing financial hardship on the purchasing of a new home and these line items need 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: Account status incorrect

Citicards Cbna Reported XX/XX/2010 0 % Balance : {$0.00} / {$5400.00} Overview You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit {$5400.00} Minimum monthly payment {$0.00}
Complaint sub-issue: Public record information inaccurate

This is a follow up to my previous complaint ... I filed for Chapter  XXXX  in  2010 , this is reported by the Credit Bureaus as FILED, when it should be reported as  DISCHARGED. Not to mention, it is now past seven years.
Complaint sub-issue: Problem with product or service terms changing

My information has been involved in so many breaches its become laughable. EVERY TIME there is a massive class action lawsuit. The settlement is the exact same thing, the only changes are the length of time i am supposed to receive the FREE credit monitoring. 


Reality - there really is no monitoring provided for free. This is nothing more than giving equifax an excuse to find their way in my email each and every day to try to SELL me MONITORING SERVICES. Which are available for the everyday low price of $ XXXX for a standard account or for the premium account {$34.00}. 

I am opposed to personally paying for the breaches to try to secure my confidential non public information, which was lost IN EVERY CASE by a company REQUIRED TO MAINTAIN MY INFORMATION IN A CONFIDENTIAL MANNER and failed to do so. 

Three companies- Equifax ; XXXX and XXXX XXXX run the largest financial scams that exist in America today. 

Banks and other companies PAY to sell their credit data to the three bureaus, who create files on consumers with as much attention as a kindergarten student staring at a XXXX. Im then responsible for correcting the errors so they can SELL that information to the same organizations who pay to have the information made available. 

Now, the standard resolution to class action suits is FREE CREDIT MONITORING that I HAVE TO PAY FOR? 

This fraud on the American Consumer has to stop. PLEASE HOLD SOMEONE RESPONSIBLE FOR THEIR MISHANDLING of information and make the credit monitoring become more than a revenue stream for these entities THAT NEED TO BE BROKEN UP!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized Inquires are on my credit report as of XXXX XXXX, XXXX 2019. 
These inquires have dropped my credit score by 100 points.
Complaint sub-issue: Information belongs to someone else

I purchased a vehicle from a dealership in XXXX, NJ called XXXX XXXX XXXX XXXX. The bank that approved me for the loan was XXXX XXXX. As of today it is now well over 60 days since the date of purchase XX/XX/21. The dealership engaged in unfair and deceptive business practices, I still do not have plates for my vehicle. The bank XXXX XXXX has not only failed to obtain the vehicle title from the dealership, they have also engaged in unfair and deceptive business practices. 

XXXX XXXX has violated my consumer rights by violating the FCRA. 
They have reported a vehicle loan on my credit report insinuating that I am paying them for a car that THEY DO NOT LEGALLY OWN. The bank has already paid the dealership for the car. THE TITLE WAS NEVER GIVEN TO ME, I WAS NEVER LISTED AS THE OWNER/ FINANCER OF THE CAR NOR WAS XXXX XXXX LISTED AS THE LIEN HOLDERS. 


THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, NOR SHOULD I BE MADE RESPONSIBLE FOR PAYMENTS UNTIL THE BANK HAS OBTAINED THE TITLE AND ARE LISTED AS THE LIEN HOLDERS.
Complaint sub-issue: Late or other fees

I opened a free checking account through PNC 's virtual wallet program. A couple months later I was informed via E-mail that my account was overdrawn do to a calculated service charge. I have been charged now 3 times in the amount of {$7.00} per month. I never agreed to the terms of this fee or have been informed in any way. After researching the matter it is my understanding that my bank has the right to change its policies. To do so however, the account holder must be notified at least 30 days in writting of changes. I have recieved nothing.
Complaint sub-issue: Reporting company used your report improperly

Equifax has violated my consumer rights Ive made several complaints about it Ive called Ive mailed letters I have unauthorized inquiries on my credit report that needs to be removed immediately! 

Here is a list of them here 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
Complaint sub-issue: Debt was paid

Debt validation sent to company certified and received by company XX/XX/2019 validation requested per Texas Finance Code. Company did not provide proper validation- as of XX/XX/2019. 

Informed company that they have failed to validate this debt and that Ive given them more than alloted time per Texas State Law to validate this dispute. 
Today I contacted the original creditor and paid the balance in full. The original company stated that since the balance has been paid in full and the collection agency failed to validate the date the account needed to be sent back to them and that they needed to delete the tradeline. 

As I was unable to obtain any information pertaining the debt from the collection agency or legality of the account I went to the original creditor. 

Spoke with several representatives today that kept trying to trying me to single dispute representative. That has been unavailable now for 3 days- XXXX XXXX . 
Ive also left messages for the manager XXXX XXXX with no response. 

This company has been still reporting this account even after failing to validate it per the Texas Finance Code. The 3 major credit bureaus have verified this account despite the collection agency verifying this debt properly to me. 

I have tried several times reaching out to this company while they have repeatedly given me the run around on an account that they have not legally validated and is paid. 

Amount paid in full to original creditor- {$120.00} XX/XX/19 Confirmation # XXXX I want this collection account REMOVED from my credit reports immediately for failure to validate debt properly within the time frame.
Complaint sub-issue: Application denied

Attempted to obtain a credit card through credit karma alleging pre approval. I was denied. Negative inquiry against my credit as a result.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax Credit reporting agency is reporting that I owe {$170000.00} for XXXX XXXX. The balance that Equifax is reporting is incorrect. The balance for XXXX XXXX  should be reflecting {$93000.00}. Please investigate Equifax for reporting the wrong credit information for XXXX XXXX. Please update my credit report and credit score.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX is in violation of the CARES Act by reporting late payments to the credit agencies while the property was in forebearance as a result of the COVID emergency. 

XXXX XXXX has the following in its possession 1 ). the approved forbearance letter from XXXX XXXX, dated XX/XX/2020 for the time period of XX/XX/2020 through XX/XX/2020, 2 ). notice from XXXX XXXX that the mortgage was paid-in-full on XX/XX/2020 and 3. ) Equifax credit report showing late payments for XX/XX/2020 and XX/XX/2020. 
I have spoken with four individuals at XXXX XXXX on XX/XX/2020 ( two contacts ), XX/XX/2020 and XX/XX/2020. There is a credit dispute on file with XXXX XXXX, dated XX/XX/2020. XXXX XXXX 's claim is it takes 30 days to resolve. This is unacceptable in that it is a violation of Federal law and should be remedied immediately. Additionally the credit error is preventing me from proceeding with a refinance on my primary residence mortgage which has negative financial implications.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Purchased item ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX on XX/XX/XXXX, item was marked delivered on porch and released by driver. I had not authorized XXXX to release the item at it was on their discretion to allow their carrier to do so. Contacted discovered initially on XX/XX/XXXX after I noticed the item had already been delivery, but I did not receive the package and wanted to start a dispute. Received noticed on XX/XX/XXXX from discover stating that the case was resolved in merchant favor and I should have received noticed via mail along with documentation. Called discovered on XX/XX/XXXX at XXXX and talked to a representative by the name XXXX , she stated that I should have received documentation via mail, but confirmed that discover failed to sent out the set of documentations and she would escalate the case again. On XX/XX/XXXX via the discover portal I was notified that the dispute was resolved in merchant favor even though the documentation was barely readable and still noted that the item was left at porch and released by the driver. No new information was provided by XXXX.
Complaint sub-issue: Account status incorrect

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 is the account that is still reported on my account : XXXX  XXXX Date Opened : XX/XX/2021 Balance Owed : {$450.00}
Complaint sub-issue: Information belongs to someone else

BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I have asked to get deletions of these accounts off my credit report but they refuse to do so. The Debt is not valid at all. No documents show proof of these were authorized by me. I need proof showing these belong to me.

15 U.S. Code 1692g - Validation of debts Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Complaint sub-issue: Account status incorrect

The account XXXX  XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

In XX/XX/2021 I made a purchase from a company called XXXX. If you check their XXXX page you will see XXXX complaints and no positive ratings. They are a criminal enterprise. I did not know this at the time. They simply take consumers money and do not deliver the goods. 

After XXXX weeks of nondelivery I asked XXXX for a refund. At the same time I asked my bank, Cash App, for a chargeback. XXXX agreed to a refund ( this was a stalling tactic ). A week later XXXX shipped something by XXXX. Delivery was never attempted and the package returned to the merchant. So the merchant has my money and the package. 

Several months later Cash App responds to my chargeback request and asks for all documentation. I give them all of it. They refuse a chargeback as the item was delivered back to the merchant. I can't get them to see sense ( I have been ripped off ), so I contact one of their management directly who escalates the issue for me. This does not resolve the issue, and then Cash App terminate my account for contacting the manager outside of their online support system. 

Cash App now have the balance of my account and will only release it into a bank account. I do not have a bank account.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

RE : XXXX XXXX XXXX XXXX, FL XXXX To whom may concern I am writing to you in regards to the actions taken by Mankin Law Group against me.

Mankin Law Group intent to collect an alleged paid debt of {$570.00} and added some other illegal fees.

I believe that these companies have violated federal law and filed an illegal lien against my property. 

On XX/XX/XXXX, I sent a cease and desist letter and an affidavit of truth to Mankin Law Group, pointing out all the federal laws they violated against me, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I asked them to send the account and return it to the original holder XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX which is my XXXX XXXX XXXX. Despite this, on XX/XX/XXXX, I received a letter from them attempting to collect the debt again. Not only did they violate the cease and desist letter, but they also filed an illegal lien on my property. 

I was owing a balance to my home owner association of {$210.00} for the assessment due on XX/XX/XXXX, and a quarterly assessment of {$280.00} due on XX/XX/XXXX, plus a late fee of {$50.00}, totaling {$570.00}. On XX/XX/XXXX, West Haven HOA received the check on my behalf of {$570.00}. Not only did they cash it, but they continued to tell me that the account is with a lawyer- debt collector and they can't give me any details. 
This is a big mistake on their part, as they had no right to cash the check if they did not have the account.. This is a clear violation of federal law and a clear indication of their lack of good faith in dealing with this matter. 
I also sent a letter to XXXX XXXX XXXX asking for the contract of the XXXX XXXX, but they ignored my request. I have all the letters and certified mail signed by these companies when they received all the documents and requests I had. 
Therefore, I am issuing this letter to demand that Mankin Law Group, and XXXX XXXX XXXX XXXX take immediate action to rectify their actions against me. I demand that the lien on my property be removed immediately, and the account be returned to the original holder. I would like these companies to show good faith in this matter by expediting the securing of the alleged information listed in mankin law group site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity thef since the fair debt collection practices act is intended to secure my right to privacy and my privacy has been breached. 

Please contact me as soon as possible to discuss this matter further. 

I also contacted the Office of Attorney General XXXX XXXX XXXX of Florida. 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX Equifax and XXXX is not investigating my dispute I gave them a few instructions and outlines showing that I wasnt late. Instead they give me a result saying I didnt specify what I was saying on my dispute. I dont believe they did a proper investigation because saying not specified means I didnt explain what I mean. So they are wrong.
Complaint sub-issue: Their investigation did not fix an error on your report

As previously stated, I am a victim of identity theft. I am NOT a credit repair company or credit repair person.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  XXXX is reporting my XXXX XXXX XXXX for {$10000.00} twice on my equifax report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I was alerted to possible identity theft by receiving a letter in the mail from XXXX XXXX for an account opened on XX/XX/XXXX with them. After reading the letter, I realized it was financing for a XXXX XXXX purchase. I contacted the XXXX XXXX on XX/XX/XXXX and informed them of the fraudulent purchase. They contacted XXXX XXXX and I spoke with them while they begin their investigation. This prompted me to freeze my credit report and place a fraud alert with Equifax, XXXX, and XXXX which I did successfully. I then pulled my credit reports with them and noticed inquiries that I do not recognize on each of the reports. 

I called the numbers for each of them and they were unable to help me dispute an inquiry, only to dispute an account. I believe I am a victim of identity theft and need help removing these fraudulent inquiries from my report which are detailed in the resolution section of this request.