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

I sent a letter on XX/XX/XXXX, XXXX  to remove addresses and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX, XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX MT XXXX ; XXXX XXXX XXXX XXXX, MT XXXX ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$13.00}. 

According to FCRA Section 605B ( a ) the 3 CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Was not notified of investigation status or results

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, on XXXX|XXXX it's more than 60 days. I need these accounts deleted or updated.
Complaint sub-issue: Their investigation did not fix an error on your report

After realizing my identity was compromised I immediately decided to take the necessary steps in attempt to try resolve this matter with all three of the major credit bureaus. I have sent several disputes including a identity theft report which included several of the fraudulent accounts in question. I have included several pieces of supporting documentation along with my identity theft report and Equifax has failed to provide accurate verification as per the Fair the Credit Reporting Act. Equiax has failed block the fraudulent accounts within 4 days of being notified as per section 605b. Equifax has also failed to abide by sections 609 and 611 of the Fair Credit Reporting Act by taking more than 30 days with the investigation and clearly violating my consumer rights. The fraudulent accounts in question are 1.XXXX  XXXX XXXX # XXXX, 2. XXXX XXXX FKA XXXX  # XXXX, 3. XXXX XXXX XXXX  # XXXX, 4. XXXX XXXX University # XXXX, 5. XXXX XXXX  # XXXX. All these accounts have and were included in my identity theft report as a result of fraud and in no way should not be listed on my credit report. Equifax continues to send out vague responses without any significant proof of showing any obligation connecting me to any of these debts.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX  XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

I don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this companies.
Complaint sub-issue: Debt was paid

US DEPARTMENT OF EDUCATION continues to ignore all proof of claims regarding a dispute for over 3 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.
Complaint sub-issue: Problem accessing account

Trying to link my bank account to XXXX app which is a money advancement app and it states pnc has made changes that will not allow my account to be linked. This was never an issue. Ive used it many times and used other money advancement apps before without issues and none work now
Complaint sub-issue: Used obscene, profane, or other abusive language

I received a debt collection bill from XXXX XXXX today. I called the company twice today to dispute the debt, and I asked for verification. The first time I spoke to XXXX. She abused and hurt me tremendously.  After disputing the bill and asking for verification, she made the following comments to me: The bill is for $XXXX, even though according to the bill, it is for $XXXX. Then she indicated that I'll receive more bills from them shortly. Then she hanged up on me.  She abused and overwhelmed me intentionally for no reason. I don't know why.  I called right back. This time I spoke to XXXX. She did the same thing. She abused me and hurt me intentionally. After requesting and getting the USCB record ID # from me, she said that in fact there are two bills, and that I'll receive more bills soon. Again, why she abused and overwhelmed me is something I'll never be able to understand and figure out. I called to dispute the debt and I asked for verification. However, she abused me and put me down. What these two young girls did to me are illegal, abusive and hurtful. I believe that not only the company is liable to me, but both these young girls are personally liable to me as well.  I'll not tolerate and accept abuse and torcher coming from two psychotic and irrational teenagers intentionally.  Both of them are personally liable to me for abusing and hurting me.   What they did was illegal and manipulative. They had bad intentions.  I recorded both telephone conversations. Please help me discipline this company and these two abusive representatives. Also, please help me receive compensatory and punitive monetary damages that I am honestly entitled to. Both girls abused and hurt me. Abusive collection practices are not acceptable and emotionally damaging.  Committing manipulation, lying and abusing me is not permitted by law. Right now, I am suffering, hurting and experiencing pain because of them.  I will not tolerate abuse coming from two teenagers. The appropriate  government agency should not tolerate it as well. Please  discipline USCB and both these psychotic and hurtful representatives. Thanks. I would appreciate it.
Complaint sub-issue: Account status incorrect

My XXXX XXXX XXXX  Credit card XXXX reported as CLOSED on XXXX XXXX XXXX XXXX XXXX  however it was 13 days late reporting closure on XX/XX/XXXX instead of the prompt mandatory Metro XXXX and FCRA required XXXX reporting on XX/XX/XXXX. As of XX/XX/XXXX, this Closed account still has not been reported as Closed to Equifax and the last reporting was XX/XX/XXXX in willful violation of XXXX XXXX and FCRA protocols. XXXX Bank was required to report XXXX to Equifax on XX/XX/XXXX so it is now 30 days late. XXXX was required to be reported simultaneously to every CRA on XX/XX/XXXX instead of piecemeal only after receiving a XXXX XXXX compliance complaint. Due to XXXX XXXX obvious compliance deficiencies my TD Bank Target account must be deleted from all my credit reports permanently plus statutory damages of {$1000.00} for each and every FCRA willful violation of the FCRA against every violator.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX credit inquiry on XXXX, XXXX and XXXX. I want these to be removed from my XXXX  due to I never signed any documents. 

Also Credco/XXXX  XXXX I want these to be removed from my XXXX  due to I never signed any documents. 

Under FCRA I want this to be validated with my signature that I authorized.
Complaint sub-issue: Can't close your account

These revolving account were closed and or numbers changed for lost cards etc. 

I am unable to call them to close these accounts because their automated systems only allow me to access the current account that I use. 

I only have a {$800.00} credit limit that i can use. 

So this makes their reporting false. 

There also is no reason for them to report this on my credit report or have the accounts open, when i can not access them.
Complaint sub-issue: Received bad information about your loan

XXXX XXXX XXXX XXXX Debt Relief Announcement The XXXX XXXX announced on XX/XX/XXXX, that up to {$20000.00} is being provided in federal student loan debt-cancellation for loans held by the U.S. Department of Education ( ED ) . We will continue to update our website with information as we receive it and provide answers to commonly asked questions. For additional information, visit One-Time Student Loan Debt Relief and U.S. Department of Education Subscriptions to sign up for Federal Student Loan Borrower Updates . 
XXXX AES/PHEAA continues to solicit this false message despite the integrity of this " plan '' being skewed remarkably by the XXXX XXXX. PHEAA should not be engaging in misleading borrowers into thinking this is a go when a Federal Judge just blocked it from being legal. Even if this does become legal, it is not legal right now. PHEAA should not be giving borrowers a promising statement when the reality is nobody knows what is going to happen. More than likely, it will be tossed. The Economy is already destroyed due to the XXXX XXXX 's inexplicable failure. Impeachment trials have a strong likelihood of succeeding beginning in XX/XX/XXXX. 

XXXX rejected the XXXX administration 's arguments that, in a law known as the XXXX XXXX, Congress had already given the president the power to erase student loan debts in a time of national emergency and that the XXXX pandemic is just such an emergency. 

Per XXXX XXXX XXXX : " In this country, we are not ruled by an all-powerful executive with a pen and a phone, '' XXXX wrote XXXX " Instead, we are ruled by a Constitution that provides for three distinct and independent branches of government. ''
Complaint sub-issue: Their investigation did not fix an error on your report

I never had a mortgage with Citibank. They are reporting late payments with XXXX. I had pulled my credit and immediately notified Citibank and XXXX. Citibank agrees I have never had a mortgage with them. I disputed the error on the XXXX website. I was just notified that Citibank confirmed the information as accurate.
Complaint sub-issue: Didn't receive advertised or promotional terms

Here is my verbatim secure message sent to Citi on XX/XX/2018 : " From : XXXX Subject : DID NOT RECEIVE PROMOTIONAL OFFER Date : XX/XX/2018 XXXX EST WE ARE BEING CHARGED INTEREST ON THIS ACCOUNT!!!!! WE INITIALLY SIGNED UP FOR THIS OFFER FOUR MONTHS AGO ON XXXX ( WHERE WE APPLIED ONLINE ). Highlights Click APPLY NOW to apply online or call XXXX TTY : Use Relay Service Earn {$150.00} cash back bonus after {$500.00} in purchases within the first 3 months of account opening 0 % Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 15.24 % - 25.24 % based on your creditworthiness* Earn 2 % cash back on purchases : 1 % when you buy plus 1 % as you pay No categories to track, no caps on cash back, no annual fee* Balance Transfers do not earn cash back See additional details for Citi Double Cash Card {$150.00} Cash Back Offer WE DID NOT RECEIVE THIS DEAL IN ANY WAY AND ARE BEING CHARGED INTEREST RATES. I WILL BE CANCELLING THIS CARD ON XX/XX/2018 AFTER MY LAST PAYMENT IN FULL HAS BEEN MADE. I CALLED ABOUT THIS AND A REPORT WAS PUT IN ; HOWEVER, THERE HAS BEEN NO FURTHER COMMUNICATION FROM CITICARDS REGARDING MY COMPLAINT. I WILL BE CONTACTING THE FTC REGARDING YOUR PRACTICES. '' Here was their response, dtd XX/XX/2018 : " The application used to open this account disclosed variable terms that would be determined based on creditworthiness. The terms you were approved for were based on several factors, such as the information on your application and your personal credit report. The current terms are the best we can offer you at this time for your product. 

Although we have been unable to resolve this issue to your satisfaction, we do appreciate the time you have taken to communicate with us. 

Regards, XXXX XXXX Account Manager South Dakota I opened this online and took a screenshot of this promotional offer -- which was NOT received. In fact, I am being charged approximately " 21.24 % '' interest and in four months have paid in excess of {$100.00} for interest charges I feel were fraudulently obtained. This is not what I initially applied for. There would be no reason for me to change credit card companies ( with a lower interest rate than Citi ) but for this one being based upon their promotional offer. Then and only then, to find out the card was far worse than the one I cancelled.
Complaint sub-issue: Investigation took too long

I disputed XXXX erroneous accounts that were reporting on my credit file with Equifax. Instead of sending me the results of those XXXX accounts, they sent a long list in " reviewed inquiry information '' which I did not request to be reviewed. They have had over 45 days to answer the investigation and yet they have not done so.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting and all the accounts mentioned have violated my rights.

15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish any account with my written instructions. These entities are not FEDERAL GOVERNMENT AGENCIES!!!!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I believe XXXX XXXX XXXX XXXX is reporting inaccurately in Equifax. I do not recall having this account with this company. I don't think there is legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please validate this information and provide me with copies of any documentation associated with this account which bears my signature. In the absence of any such documentation bearing my signature, please delete immediately.
Complaint sub-issue: Account information incorrect

XXXX XXXX ; I believe they are a credit reporting agency that is reporting on my credit report I sent two dispute letters requesting validation to the agency with no response. The first letter was mailed certified and signed for on XX/XX/2018 the letter stated you claim I owe {$720.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. I did not receive a response or validation. I sent a second letter certified that was also signed for on XX/XX/2018. 

This letter explained By not replying in a timely manner to my initial letter on XX/XX/2018 ; you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Complaint sub-issue: Debt was paid

I received a letter from ERC dated XX/XX/XXXX. The letter claims that I owe XXXX {$160.00}. I paid the XXXX debt on XX/XX/XXXX. ERC has threatened to collect on the debt again. The debt is already paid but they keep threatening to collect. Please see attached credit report. Under ENHANCED RECOVERY COMPAN # XXXX it reads that the debt was paid and closed on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Pro-Collect ( in copy ) refused to provide an email where they accept the " mistake they made '' reporting in my credit a collection that never below to me. 

The reported a collection for {$820.00} for a rental condominium XXXX XXXX XXXX. I have never rented in this place, I have owned my house since 2006 ). 

I tried to speak with the manager at Pro-Collect, but this person refused to talk to me ( my only contact was a supervisor ). 
I was a victim of identity theft from Pro-Collect ; they used my personal information, arguing that my name is common. That was the answer! 

They never took the time to verify the information ; it was very easy for them to use my social security because I have a " common name ''. 

You can contact XXXX XXXX from XXXXro-Collect Inc to verify this information. 

XXXX XXXX was the person who explained to me that they don't send this type of correction by email or letter because it is their " policy. '' Pro-collect can destroy credit and a reputation, but they aren't capable of accepting their " mistake '' in writing. 

I disputed this collection in XXXX and Procollect confirmed that this account is below to me. 

Their phone number is XXXX, account # they gave me is XXXX.
Complaint sub-issue: Problem getting your free annual credit report

For over a year now, I have not been able to obtain a copy of my Equifax credit report. I 've tried ordering it through XXXX but always end up getting an error message saying that my report can not be processed online. I 've tried ordering it directly through the Equifax website but continue to have problems actually getting my credit report. Most recently, on XX/XX/2017, I ordered a copy of my free annual credit report directly through the Equifax website. I received a confirmation email confirming my order and was provided report # XXXX for my report order. The email states that I can access the report online for 30 days. However, the status for the report says " failed '' and when I log onto their website to access my report, there are no reports available on my online account to view. I had received a letter from Equifax last month asking me to provide them with proof of my identity and current mailing address. I provided them with all of the requested information, but never heard anything back from them since. I have n't had any problems obtaining my credit reports from XXXX or XXXX, it 's only Equifax that I continue having problems with on getting a copy of my credit report.
Complaint sub-issue: Other problem getting your report or credit score

The problem is with EQUIFAX I was denied credit with XXXX XXXX by EQUIFAX and requested a free credit report and score and an explanation why. My original complaint # XXXX-XXXX dated XX/XX/XXXX. Their first response was a request for payment contrary to my being entitled to a free report. I objected to this request by initiating a complaint with the CFPB. EQUIFAX sent me another request for more personal information but no report, score or explanation again. A few days later, EQUIFAX finally sent me a history of all my credit transactions. ALL of them were shown to be paid in full AS AGREED, indicating a perfect record. But still no SCORE or EXPLANATION for the denial. Why is it so difficult to tell me???? Their last number, a confirmation # XXXX, dated XX/XX/XXXX 


XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX I communicated with two different agents at the XXXX XXXX XXXX collection agency about a prior XXXX account. I called to inquire about the date that they are reporting my account was opened. According to my XXXX credit report, they are reporting that this account was opened XX/XX/XXXX. This account was opened in XXXX and did not enter delinquency until XXXX. This is considered " re-aging '' and not only violates federal law, but it goes against the Fair Credit Reporting Act. When I spoke to the female agent she said that I was wrong and it did not go against FCRA. I let them know that I was calling to report the error and if it is not corrected I will be contacting an attorney.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX with Acct # XXXX ( XXXX XXXX XXXX ) has been reporting on my Equifax report for several years now, which I have been challenging since discovering the account on my Equifax credit file. That said, it has come to my attention that Equifax is not properly investigating the legitimacy of the data reporting. In XX/XX/2022, I disputed credit acceptance with Equifax, and they then sent a letter dated XX/XX/XXXX asking for documentation to support my claim. It would have taken 7 to 10 business days from the date of the letter sent to me via mail. On XX/XX/2022, I responded with supporting documents. 

By XX/XX/2022, Equifax sent a notice to my home address stating the dispute had been closed, and without the supporting documents, Equifax requested that support my complaint. I contacted the agency on XX/XX/2022, to confirm receipt of supporting documents ; Equifax claims to have received them. When I asked the Equifax representative to help me understand how they are investigating the account, I did not get an answer at all and then put it on hold for so long that I had to call back into the agency to speak with another rep only to find out that the previous representative filed a dispute without my consent and without the support document that the dispute should have been filed with. 

PS. I had attached a supporting document from Equifax showing the timeframe from when the dispute was opened in XX/XX/2022 and closed.