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

I requested to have the XXXX XXXX Bank trade removed from all CRAs. 

XXXX XXXX XXXX, XXXX Edition, XXXX, defines XXXX as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they  report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I have received no documentation with my signature that this is my account. Violates my rights under FCRA. Please remove this fraudulent trade from all CRAs.
Complaint sub-issue: Information belongs to someone else

Fraudulent reporting by Equifax was failed to be remove after I documented and send ftc report along with a police report. The credit beraus refused to delete fraudulent reporting
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  accounts ; XXXX XXXX XXXX XXXX ( # XXXX ) amount : {$620.00}, XXXX XXXX XXXX XXXX ( # XXXX ) amount : {$870.00}, US DEPT OF EDXXXX XXXX XXXX XXXX ) amount : {$4700.00}, US DEPT OF ED/XXXX XXXX XXXX XXXX ) amount : {$2300.00}, US DEPT OF EDXXXX ( # XXXX ) amount : {$3700.00} XXXX XXXX XXXX XXXX  ( # XXXX ) amount : {$570.00}, XXXX XXXX XXXX  ( # XXXX ) amount : {$140.00} 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: Information belongs to someone else

There are accounts on my credit report that do not appear to be mine and are inaccurately reporting on my credit report. I have attempted to dispute these accounts with the 3 credit bureaus and they continue to report the accounts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
Account opened XX/XX/2020 for {$620.00}. 

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

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

I started calling to PNC Bank to obtain my pay off amount in XX/XX/XXXX9. My  payments were submitted by XXXX XXXX accelerated program and were always submitted on time. They deducted from my bank account every two weeks a set and consistently throughout the year Occasionally there would be an extra amount in which XXXX XXXX would submit to PNC as a principal payment and noted as such on the manual check and mailed to pnc for posting. PNC applied most payments correctly but I did find a few that were not applied correctly and interest deducted from those payments. I started my inquiry when I requested my payoff amount. I never received monthly ststements from PNC to show payment activity. When I looked over my history in XX/XX/XXXX I noticed some payments were not applied correctly. I called and requested PNC to review my loan starting from inception date in XX/XX/XXXX. PNC acknowledged error and corrected two of the payments in which this lowered my payoff amount. I called back to pnc to let them know there was still two payments to be corrected. I wanted tbe correct payoff amount before paying off my auto. PNC NEVER CALLED BACK. I was always the initiator for the status of inquiry. This started in XX/XX/XXXX and XX/XX/XXXX still reviewing case open. In XX/XX/XXXX i called again to convey my frustration. I was told on XX/XX/XXXX there was a decision and they would not consider XX/XX/XXXX and XX/XX/XXXX to be posted correctly and recalculate interest as they were too old. But they did reapply another XX/XX/XXXX principal only payment. This was clearly their error and did not post payments correctly therefore I overpaid on my loan. I did payoff loan in november so i did not accrue further daily interest. This loan was paid off approximately one year early with never a late payment. I just want to pay the correct payoff amount with the correct interest applied. If they do this to other people and their defense is that it is up to the consumer to track their payments but they do not hold themselves responsible as to have quality employees to apply payments correctly. They add re making money off this process. My final complaint was if they can not calculate back to those two payments then figure a fair amount that would be refunded to me. They closed complaint and stated they could not help me. This took 4 months to let me know they could not do anything about it. Then their employee that was working on my file lied about calling me back and stating phone number was not good or could not leave voicemail. I just want want is due back to me and to pay correct amount on my loan. I still do not have an official response in writing from PNC and never received verbal response without me initiating the call. Very poor customer service. What other options do I have to receive my refund?
Complaint sub-issue: Debt is not yours

For the past years this company continues to charge me a debt and continues to report to me in the agency XXXX. today XX/XX/XXXX I saw in my annual credit report that this americollet company since months ago has reported me again. knowing that I have made many complaints and I have the proofs please help me eliminate this and that they do not hurt me anymore in my credit
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX 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 a Account with my written instructions.
Complaint sub-issue: Debt is not mine

I was seen at XXXX XXXX Hospital for XXXX ( mind you I had been released from XXXX XXXX hospital from an XXXX ) and released that same day. I did not have my medical card with me at the time of service. I had emergency medical which cover all my emergency visits. I did submit my medial card to the billing department about 3 days later. I was told by someone at the billing department they have received it. 4 years later I check my credit report and turns out I owe a balance of XXXX. I had just became a resident of the U.S and received my social security card and like everyone I wanted to start building my credit. Unfortunately, I could n't because of this issue in my credit report. This has been done fraudulent because I did have insurance at the time of service and I did submit proof of medical in a timely manner. I need this to be investigated and removed from my account. Also, Grant and Weber ( collection agency ) have added my wife XXXX XXXX onto this account. My wife is not liable nor responsible for this debt, she needs to be removed. They have requested a fraudulent inquiry on her credit report.
Complaint sub-issue: Reporting company used your report improperly

Second Notice to report fraudulent inquires on my consumer report. 
I filed a complaint with CFPB on XX/XX/XXXX and my case was closed XX/XX/XXXX that the issue was resolved. The following inquiries are still on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent a copy of all outstanding, outdated information along with unauthorized inquiries to XXXX, Equifax and XXXX XXXX requesting the removal of the above items and it's been thirty days and I haven't received any reply or letter back from any of the agencies in a timely manner based on the CFPB reqirements under the law I reviewed my credit report and came upon and some alleged Inquires. I do not recognize the accounts/cases names for what it is. Therefore, I am demanding under the FCRA # XXXX you provide me the following : Proof I initiated the inquiry, Permissible Purpose, Written Authorization ...
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX I submitted a complaint about XXXX XXXX posting negative on my credit report while they was are in Bankruptcy on account. XXXX XXXX  was removed from all 3 of the credit bureaus but my credit score damage still remain and was drop 75 points for the damage cause by XXXX XXXX  reporting. I was told in a few months my score would improve and it would return to normal. So far that is not the case and my score has not increase from the removal of the XXXX XXXX debt.
Complaint sub-issue: Information belongs to someone else

I have no financial obligation to the accounts/companies. I requested a description of the procedure used to determine the accuracy and completeness of the information reported but credit bureaus only provided a computer generated print out which is unacceptable by the FTC.. An itemized printout does not represent verification..Remove the accounts asap ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Complaint sub-issue: Reporting company used your report improperly

I am one of the millions affected by the Equifax security breach. Having a credit score is all but required to be a functioning adult in the United States, and I can not just change my SS #, DOB, home address, etc. in the same way I can a password or credit card number. I am infuriated that a company like Equifax would be so careless with my personal information. I have a practically flawless credit score, make my payments on-time, shred documents, etc ... and yet I will be the one held  responsible if my identity is stolen due to the laziness and lackluster security protocols of this company. This is the third time this has happened and they have done nothing to protect consumers. They must be held responsible.
Complaint sub-issue: Personal information incorrect

XX/XX/XXXX XXXX. I revecied my credit report from experian credit XXXX. I called them as I got my report today .. Mt report number # XXXX. Dated XX/XX/22. With alot errors on system. That failed to updates properly. The woman I spoke today at XXXX today she advised me it's is very common that these mistake happen on yout account often and it hard to fix them, the leadership Manger XXXX XXXX XXXX failed to do his job ethical correct, I was advised that is experina job and duties to send customer wrong information on there credit report debliarity as a stall statistics. I ask them why does a address that doesn't belong is on my credit and there response was we have internal error on the sever. And its hard to fix. It's been over 120 days since I been asking for help and experian. 


Wrong address is XXXX XXXX XXXX XXXX MD XXXX. 

Wrong names. As well XXXX XXXX name I'd # XXXX .. these mistakes are happening to common .. putting other people data on my credit profile on purpose.. 

I also ask for help fixing my credit freeze and there system been down for a long time they told they can't fix it at all since there system been broken for 120 days and it my fault .. since experian website and system are failing..
Complaint sub-issue: Keep getting calls about my loan

Back in  XXXX  of this year i received a letter in the mail from discover student loans stating that no repayment is required until  XXXX  and  XXXX  in   XXXX  . So i assume that everything on their was okay and that i would not have to worry about making any payments. About a week later in the same month i received a phone call from a representative at discover student loans asking me for a payment. I told them that i received a letter from their office that i do not have to make a payment until   XXXX  . I requested to speak to a manger about this matter. I then explain the manager the same situation, he then had me on hold for about  twenty  minutes so that he can find a copy of the letter that was sent to me, after th e manager   XXXX  came back to the line he informed me that he could not find a copy of that letter being sent to my home. At that point i felt like something fraudulent was going on because i find very hard to believe that he could not find a copy of that particular letter that was sent to my house. They are responsible for keeping record of all correspondence and letters being sent to me. Moving forward after that happen i been receiving harassing phone calls from them about a payment and i keep telling them about the letter. I even sent in a copy of that letter to them and they keep telling that they do not have it. I am tired of getting all day everyday about this issue. They are also threatening my co-signer of the loan as well. And the co-signer of the loan told them that she had know idea that being a co-signer for loan would make her legally financially responsible. They had informed her about a form to fill out that would basically file for fraud that i stole her identity to co-sign a loan for me when i did not do that at all. The co-signer is my grandmother  XXXX   XXXX , would could wrongfully implicate me because i did not steal my grandmothers identity to co-sign a loan, she had gave me her information with her consent and to consent to co-sign the student loan. I am tired of the harassment everyday by loan people that calls me everyday. They lied to me about not receiving the letter that stated to me that i did not have to make a payment until   XXXX  . I want the harassment to stop and they need honor according to the letter that they gave me.
Complaint sub-issue: Information belongs to someone else

The following collection accounts that are currently listed on my XXXX XXXX, Equifax and XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX, {$490.00} and XXXX XXXX, {$430.00}. I been receiving harassing, abusive, threatening, unfair and deceptive phone calls from the above creditors. The above creditors are in complete violation of the Fair Debt Collections Practices Act ( FDCPA ) under federal law. Im a victim of identity theft and the collection accounts are all fraudulent accounts and do not belong to me. The fraudulent accounts are not my accounts.
Complaint sub-issue: Receiving unwanted marketing/advertising

I AM RECIEVING PHONE CALLS AND EMAILS ABOUT ME OWING A DEBT AND WHICH I DISCOVERED THAT IT TO BE A FRAUD EVENT TO GET MONEY FROM MEFROM ME. THEY ARE GETTING MOST OF THIS INFORMATION OFF OF MY CREDIT REPORT BECAUSE THEY KNOW MY BANKING NAME, MY PAST EMPLOYER AND MY SOCIAL SECURITY NUMBER AND I WOULD LIKEFRO ALL THIS TO STOP.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Complaint sub-issue: Debt was paid

I received a credit alert that a collection agency known as IC System stated I owed them a debt of {$610.00}. I was not aware I owed a debt to anyone. I contacted them immediately. The debt belonged to a power company I had n't used in several years. IC System said if I paid off the debt immediately it would be removed from my credit report and not further reported to the credit bureaus. They promised me this debt would be deleted. I paid it off immediately. IC System still reported it to the credit bureaus. I called IC System and they verified the debt was paid, but still they did not properly report this to the credit bureaus for removal. It has been several weeks since I paid this debt in full and the derogatory remark remains on all of my credit reports.
Complaint sub-issue: Information belongs to someone else

My identity been compromised. 
A mortgage was taken out in my name. 
Also there is some listing of a bankruptcy filing. 
I have never filed any bankruptcy of any kind ... period. 
The credit bureaus have removed the fraudulent mortgage already. 
The credit reporting agencies have had me confused with a XXXX XXXX out of Washington State or somewhere. 
There are accounts on my credit profile that do not belong to me. 
I feel I have followed the law in obtaining a police report and filing the proscribed affidavit from the federal trade commission.
Complaint sub-issue: Problem with fraud alerts

Yesterday I was advised by XXXX that I am a victim of identity theft. I filed a report with the police who advised me to contact the credit bureaus. I spoke to reps at XXXX and XXXX who were helpful and will be sending me a credit report. 

By contrast with Equifax, it was IMPOSSIBLE to speak with a human being ( punch this, punch that ). After about 15 minutes the computer said I am not entitled to a report and disconnected me. That level of customer service is simply UNSATISFACTORY. It is apparent that senior management has NO interest in helping customers deal with identity theft. Perhaps the Fed Govt can get them to provide me with my credit report so I can determine if any accounts have been opened in my name.
Complaint sub-issue: Right to dispute notice not received

Hello, I 'm in the process of buying a home. I had a debt that I paid to a collection agency and I need confirmation that I paid on the account to purchase my home. The collection agency is telling me I have to wait 30 days for a realease.
Complaint sub-issue: Information belongs to someone else

So to start off i noticed a credit alert on my credit file telling me there has been a collection account added to my XXXXEquifax credit file in the amount of XXXX .The collection agency is XXXX   XXXX XXXX , I then reached out to the company and demanded to know why there is a collection account on my credit reports that does not belong to me.XXXX XXXX XXXX XXXX representative was very rude to me as well not helpful at all, i then request all information on the account as well as the signed physical contract with my signature on it, the representative ( XXXX ) then hangs the phone up on me, I try to call back know the number doesent work.while researching this company that goes by many names and several other consumers have the same problems with the same company/collection agency.I have never received any notices from this company or did any kind of buissness with XXXX , I received calls at my job as well as my home late hours of the night, witch is clear violation FDCPA.This account is has no payment history, as well incomplete/missing information.XXXX/Equifax is reporting erroneous information to my credit file.Same thing here with another collection account XXXX XXXX in the amount of XXXX reported by Equifax also no payment history/incomplete/or missing info.This is in violation of the FCRA Section 609 as well Section 611 of the FCRA.I ve been givin the run around by all parties and know I have consulted an a attorney to help me threw my next steps
Complaint sub-issue: You never received your bill or did not know a payment was due

I would like to thank your company for the many great years of service that I've experienced as a consumer. I have been very loyal during this time, however, I am requesting some assistance from you if possible. 

I've experienced some rough patches in life that were very difficult to handle due to some personal issues. I have always tried my best to get every single payment in on time, however, there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late show up on my credit report, and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know. 

I would like to make a " goodwill request '' to have some or all of those late payments removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate those late payments with the credit bureaus by filling out the " XXXX XXXX XXXX '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need. his is regarding the account : XXXX, Account number XXXX
Complaint sub-issue: Information belongs to someone else

The accounts needs to be remove immediately from my credit report
Complaint sub-issue: Debt was result of identity theft

CRA/HIPAA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX