Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Indicated you were committing crime by not paying debt

XXXX XXXX  reflects the Human Resource debit is paid off, and I quote from their web page, " You've paid off 100 % of the original amount '' ... but also XXXX XXXX continues to tell me about once a month via email that the debt is effecting my credit score. 

The debit concern is with The XXXX County XXXX Department of Human Resources which wrote this debit off to my local district court for garnishment of which they are collecting biweekly from my payroll which I can provide digital proof of. 
Also the debit owed that they are reporting to XXXX and Equifax is not the correct amount anyway nor is it in arrears or bad standing. So I am requesting that XXXX and Equifax remove this discreprency immediately!!!
Complaint sub-issue: Information belongs to someone else

I wanted to buy my XXXX-year old son a new car for his birthday. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my credit.
Complaint sub-issue: Trouble closing card

I opened a prepaid account with XXXX XXXX they will not release funds on the card because it was from my boyfriend 's unemployment check. I have had paperwork noterized sent mail with updated address everything they asked. Mean while they are taking out monthly fees they charge while my account is frozen.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax, XXXX and XXXX numerous times in XXXX and XX/XX/2019 to request that they remove all outstanding disputes on my record. Each call the rep places me on hold and returns and says it is done. Each time thereafter my mortgage company pulls my credit and tit is still there. This cycle has repeated itself for 2 weeks and the only change that has occurred is a credit drop from XXXX to XXXX with Equifax. 

Equifax treating each mortgage inquiry as a new inquiry, even though they all fall within 14 days. 

None of the 3 companies have removed any disputes as I have begged them.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed 5 items that were not removed per 15USAC1681i6Biii they did not validate so they failed to comply with provision 15 USC section1681i ( a ) and have them removed from my credit report here are the 6 items 1.Account Name  XXXX XXXX Account XXXX XXXX {$10000.00} listed as charge off 2.Account Name XXXX XXXX Account # XXXX {$3100.00} listed as charge off 3.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} listed as collection 4.Account Name XXXX XXXX Account # XXXX {$9900.00} showing as balance 5.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} 6.Account Name XXXX XXXX  XXXX Account XXXX XXXX NEVER WAS LATE EXNOROUS ILEGALY CHARGES AND AMOUNT OF {$5700.00} SHOULD BE XXXX I MADE ALL 60 PAYMENTS ACCORDING TO CONTRACT SEE PAYMENT HISTORY
Complaint sub-issue: Reporting company used your report improperly

reporting incorrect information and not verifying the information.
Complaint sub-issue: Problem accessing account

Scam email came through as I was at the bank. Asked them if it was legit and was told no. It looks very convincing. Below is the email : Dear XXXX XXXX, I am writing to you because I have tried to contact you by phone about an important matter related to your account with PNC Bank and have been unable to reach you. Please give me a call at XXXX as soon as you are able. 



It is important for you to know that this is not a sales call and it is imperative that I speak with you at your earliest opportunity. If I do not hear from you, PNC may move to close your account relationship. 



We appreciate your prompt attention to this request. 



XXXX Customer Outreach Team PNC Bank ( P ) XXXX XXXX The contents of this email are the property of PNC. If it was not addressed to you, you have no legal right to read it. If you think you received it in error, please notify the sender. Do not forward or copy without permission of the sender. This message may be considered a commercial electronic message under XXXX law or this message may contain an advertisement of a product or service and thus may constitute a commercial electronic mail message under US law. You may unsubscribe at any time from receiving commercial electronic messages from PNC at XXXX : XXXX PNC, XXXX XXXX XXXX, XXXX, PA XXXX ; XXXX
Complaint sub-issue: Information belongs to someone else

Equifax is in violation of the fair credit. My underdtanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXXmy husband called ERC for account XXXX. The letter had a debt from XXXX  or XXXX essentially asking that half be paid to resolve the debt. I have been married for 10 years and the debt is under my maiden name. I have strictly had XXXX on my dad or husbands plan since XXXX grade. At no time have I ever had XXXX or XXXX XXXX. ERC refused to talk to my husband on my behalf. It is absurd and wrong that I have to jump through hurdles on a charge that I have never made. While I understand the need for collections when bills are not paid I also do not understand why they refuse to talk to my husband about this issue. As I have stated previously I certify my consent to talk to my husband directly.
Complaint sub-issue: Information belongs to someone else

Had my identity stolen in XX/XX/2019 and have hard inquiries from EXXON/Cbna that i did not authorize. I called them to have those removed and its been almost a half year later and they are still reporting on my credit.
Complaint sub-issue: Reporting company used your report improperly

Equifax had a data breach in XX/XX/2017. When I inquired into their site I was advised that it was likely my information was among the data affected by the breach. Since the breach one of my credit cards was victimized by fraudulent activity. I have since had to shut that card down and have it replaced. I don't know what other actions might have occurred or still might yet occur as a result of the breach.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reinserted previously deleted info

XX/XX/XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX XXXX XXXX XXXX, Equifax, and XXXX have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor, Equifax, and XXXX re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account Equifax XXXX XXXX XXXX XXXX XXXX Item Status : Was removed XXXX, XXXX, and XXXX and latest credit file showing items re-inserted after FCRA period of expiration. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Afni has reported that I owe XXXX dollars and have missed multiple payments over the past 2 years. I was never advised of this debt and never given the opportunity to resolve the debt. I never gave consent for this to be reported on my credit report as stated by law of fair credit report act
Complaint sub-issue: Debt is not yours

CEASE & DESIST and dispute of XXXX XXXX XXXX  acct ending in XXXX and XXXX This letter is in response to the phone calls and letters I have been receiving from you. According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or at any other location. Further, this XXXX account is not my responsibility, allow me to say that again, you are attempting to collect from me a debt I do not have any legal obligation to pay. Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken. Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 ( b ) 2. Regards, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Mi XXXX
Complaint sub-issue: Debt is not yours

As of XX/XX/2020 This is to inform you that I've recently pulled my credit report and noticed that there's a collection listing from your agency on my credit report. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. 
I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt. 
I hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 
Please attach copies of the following documents : Agreement with your client that authorizes you to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor where he promises to pay the original creditor. to prove that the amount you wish to collect is accurate. 
Sincerely, XXXX XXXX XXXX As of XX/XX/2020 The creditor and/or XXXX  has not been able to prove or show any evidence of any charges being made in my name. We have sent in numerous requests to ask for any documentation that you may have, and have yet to see anything. We demand that you remove these charges immediately! The next step will be to take legal action against the Creditor as well as " RM GALICIA/PROG MGMT SYSTEMS '' that has not responded or shown any proof at all! Please attach or send copies of the following documents : Agreement with your client that authorizes you to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor where he promises to pay the original creditor. to prove that the amount you wish to collect is accurate. 
Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Public record

Equifax is violating my rights to an honest and true credit report by reporting to the public records section of my file and outdated and inaccurate tax lien that was made in error many years ago. The filed date is incorrect and the item does not include the lien removal slip which was granted by the judge following my attorney adamant appeal at the debt placed against me by the XXXX XXXX XXXX board of California. I have asked this information to be verified and have forwarded my tax removal slip to the bureau to be propeller verified and I requested a full and complete report domineering their pruderies and desciprtion during this reinvestigation process nearly 6 months ago and have been provided with ABSOLUTELY NOTHING! I am infuriated and disgusted by this poor attempt at a reinvestigation in my part and have become utterly anxious at the way my credit report is currently being reflected. It is not 100 % accurately because of this tax liens and the mis information it contains and i have been denied a lawful investigation. I have waited past the 30 day mark threefold of a time an don longer will wait for anything to be verified. I will not give this bureau anymore chanced to validate or verify anything. I have had enough and they are required by law, to follow the law, an removed tax lien ... XXXX from my records. It is their responsibility to validate this and they have NOT and it is their responsibility to provide me procedures and the descriptions and they have NOT. Why do i have NOTHING from this company and yet they are allowed to still report this? Why is it that i have mailed them every piece of document i can and the XXXX XXXX recorders office claims that they have receive don calls or validation requests from this bureau? What is it that has validated this? No one and nothing! They claim to use a XXXX party vendor and REFUSE to disclose anything about who they are and how they operate and validate consumer information. I will NOT rely on a XXXX party vendor with my financial life on the line, that is insane and not fair nor is this acceptable. Is this vendor certified? Is this vendor in the United States? Is this vendor knowledgable in the XXXX XXXX court systems? DO they have full and complete access to my report and all of my appeals and court records? When was this Vendor last certified and is their software up to date and FCRA certified and compatible with the law and guidelines? I WOULD NOT KNOW BECAUSE THIS VENDOR IS A MYSTERY AND THIS VENDOR IS RUINING MY LIFE!
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I checked my credit report and it has been brought to my attention that Amerifinancial Solutions LLC has 2 negative remarks on my report of {$1600.00} each. The total debt they are claiming that I owe them is {$3300.00} ( see negative_remark.jpg ). On XX/XX/2021 I mailed Amerifinancial Solutions , LLC a registered letter via certified mail, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see Amerifinancial_solutions_letter.pdf ). I mailed Amerifinancial Solutions , LLC the registered letter to two known addresses and have yet to receive a response. The registered letters were sent by Certified Mail via USPS ( see XXXX ). These letters are tracked and they show that they have been delivered, signed for, and received by an Amerifinancial Solutions representative. It has been over 70 days and I have yet to receive any response from Amerifinancial Solutions.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am having a problem with Equifax reporting and being able to access my dispute information. I contacted Equifax via chat about the major diffrence between in my score that they show on XXXX XXXX and what my bank is showing. When I contacted them through Chat ( because they impossible to get in touch with ) about this they sent me a link that was no explanation to my question. Later that week I received an email that my dispute had been resolved and I could check through their website. I tried every thing they said to access it and it wasnt available so once again I contacted them and they said they were having technical difficulties. As of today, three days later I am not able to access my disbute. And when I checked my XXXX XXXX report today my score has dropped 33 points and is showing old information that WAS currently showing updated three days ago. There is no way my score should drop 33 point in three days. And I tried to dispute this and it says my information is incorrect ( same as its been showing since their so-called technical difficulties ) and will not let me dispute. They are messing with peoples credit and I think its funny that I havent had this problem until I started questioning them about their reporting practices. I need to know why my information was updated and current as of days ago and know not showing being updated for months and my score dropped 33 points. There is no way this should have happened and they need to be investigated. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

In XXXX 2015 I filed complaint against Enhanced Recovery Company. Case # XXXX. During the dispute process, Enhanced Recovery advised they will request documentation from XXXX XXXX XXXX regarding this account. To date, no documentation has been received and the account is still listed on my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

It has been brought to my attention that I have a XXXX XXXX XXXX account opened in 2017 in my name. The card numbers in XXXX and XXXX. These are accounts are not mine.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Act XXXX XXXX XXXXXXXX Acct XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Received bad information about your loan

In XX/XX/XXXX  and XX/XX/2017 I was told that as a XXXX  I qualified for loan forgiveness. Either I called them or they called me, but I was told that I would be forgiven over {$7000.00} if I enrolled in this program. So they guided me through to help me get signed up, I believe that the company was federal student help? They told me that it was an income driven repayment plan, but they assured me several times that my payments would never change. I asked several times to make sure that this was the case and they assured me that that was how the forgiveness worked, pay them for ten years and the government forgave what was not paid after that time period. at the end of the ordeal I was promised payments of {$62.00} for the next ten years. 

I was seriously misled. and I have paid way more in stupid extra fees than I ever would have otherwise.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Complaint sub-issue: Company closed your account

During the Covid-19 pandemic, Discover not only didn't try to help its customer but they chose to close my account due to inactivity. There was no advance warning at all. After contacting the customer service, they would not reopen this account. This is totally unacceptable and it does show this company doesn't care about its customers.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX  XXXX XXXX and Equifax are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX is listed TWICE on my credit report, for 2 different amounts. FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 

4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and XXXX, Equifax, and XXXX  correct and remove this inaccurate info from my credit report.