Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX XXXX issued by XXXX XXXX  has reduced my credit limit from {$4000.00} to {$1000.00} without notifying me which has resulted in a drop of 30 points to my credit score [ Equifax & XXXX  ]. When I tried to contact XXXX XXXX  the representative could not provide me with actual details why was not the consent taken from the customer esp for a decision that would negatively impact the Credit score. I would request CFPB to review this and consider adding regulations to help consumers from such predatory practices of banks. I think we should be clear to apply the same kind of rules that exists for an entity that checks consumers credit report be applied when they make decisions that would negatively impact their credit score.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX account number XXXX  XXXX XXXX XXXX Account number XXXX have 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
Complaint sub-issue: Debt was result of identity theft

EQUIANT FINANCIAL SVCS XXXX - This account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. They sold my information to another company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Complaint sub-issue: Application denied

I applied fidelity rewards account and was denied and havent been able to find out why.. but my credit is excellent so I dint see why I wasnt approved..
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX According to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. otherwise, anyone paying your reporting services could fax, mail, or email in a fradulent account.I demand to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF ARE UNABLE TO PROVIDE ME a copy of verifiable proof, you must remove the accounts listed below.

I Demand the following accounts be verified or removed immediately. 
1. INQUIRY : XXXX XXXX XXXX  ( INQUIRY XXXX ) 2. INQUIRY XXXX XXXX XXXX ( INQUIRY XXXX ) 3. INQUIRY XXXX XXXX XXXX ( INQUIRY XXXX ) 4. ( Account name XXXX XXXX XXXX  XX/XX/XXXX Account number XXXX Account type Debt Buyer ) 5XXXX XXXX XXXXAccount XXXX XX/XX/XXXX Updated. The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
6.Report Number XXXX Date Generated XX/XX/XXXX >Please remove all non-account holding inquiries over 30 days old. 
<Please add a Promotional Suppression to my credit file. 
<Please remove all accounts that are no XXXX XXXX  COMPLAINCE. 
PLEASE NOTE THAT YOU HAVE 30 DAYS TO COMPLETE THIS INVESTIGATION, AS PER THE Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). be advised that the description of the procedure used to determine the ACCURACY AND COMPLETENESS OF THE INFORMATION IS HEARBY REQUESTED AS WELL, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, INCLUDING YOUR METHOD OF VERIFICATION. I DO NOT CONSENT TO E-OSCAR AR ANY MEANS OF AUTOMATED VERIFICATION.

Failure to respond satisfaction within 30 days of receipt of this certified letter may result in small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of Fair Credit Reporting Act 4. ) Financial injury
Complaint sub-issue: Personal information incorrect

I have called XXXX, Equifax and XXXX  credit bureau and ask them to remove these addresses that is incorrect. But they said they could not remove them. So this is why I am contacting u all. Please have the three addresses deleted off of my credit report.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I do not have any account with this company, have never heard of them and this needs to be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting two unknown medical collection for {$100.00} the account numbers # XXXX and XXXX. There is no name of the company listed. I never received a letter validating the debt. The Debt just appeared on my Equifax credit report on XXXX/XXXX/2017. Also Equifax continues to report XXXX XXXX  XXXX XXXX and XXXX XXXX account # XXXX. None of these companies have provided a signed contract binding me to the debt that they are reporting to Equifax. Also I have not received verification that this debt was assigned or sold to collector, information that these companies are licensed in florida to collect. I have n't received nothing to validate this debt. In the US law encyclopedia, American Jurisprudence, 73 am Jur2d. Sections 90-93 ; It says that one can not subrogate onto a contract that they were not original on, did not have any interests. Thus, when an original creditor sells the debt, but they did not give these rights to the collection agency can not act as a substitute for the original creditor.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX, 2022, I notified PNC XXXX XXXX by phone of a error/fraudulent charge on my XXXX card ending in XXXX. I was told at the time that PNC had cancelled the card and they would issue a new card. I would only be responsible for the valid charges. Immediately, PNC cancelled my on-line access to the card, so I had no way to determine if any other fraudulent charges had occurred. About 3 weeks later, I received a new card ( XXXX ) but had no access to it. I subsequently got a notice that I was late on the payment of the card and it listed an amount that did not seem reasonable. In XXXX, I called into the PNC call center. I remained on hold for approximately 30 minutes and when the line was picked up, the representative could not delineate the source of the charges. I still had no access to my accounts as neither card appeared on my login screen. In XX/XX/2022, I received further collection notices from PNC and an independent collection agency. I also received a notice from PNC that my XXXX score was decimated. They had dropped it from XXXX down to XXXX in just two months. I called PNC to complain and I was told that there were now two late charges. After discussing the matter at length, I was told that a supervisor had approved both late charges to be removed. I visited a PNC branch and was informed of the charges on the credit card - Including one additional fraudulent charge for {$100.00} and the 2 PNC late charges were still on the card. The local branch gave me access to the account and I paid off the full amount - less the late fees that were to be removed. I contacted the vendor that had billed me the {$100.00}. They admitted the error and sent me a check, since the card they had used was now closed. I continued to receive late notices on the late fees from PNC. I called again and was sent to the " Escalation Department ''. This should be called the De-escalation Department. They have done nothing to resolve my issue and have needlessly delayed all efforts to get this matter resolved. I have called them many times. They always say they will return calls within 24-48 hours and NEVER meet those commitments. The sad state of this matter and the purpose of this complaint is that I did the right thing by reporting a fraudulent charge according to the PNC XXXX system. For that, I have had my XXXX score wrecked and wasted countless hours on the phone and in the branch, explaining and re-explaining my problem to no avail or attempted resolution on the part of PNC.
Complaint sub-issue: Other problem

I have 2 new credit cards that popped up under my name and I have no idea whos they are I would really like to get them off my name ASAP!
Complaint sub-issue: Information belongs to someone else

Dear XXXX I was instructed by XXXX to send the Internal Revenue Service so that they may attach it to my file. They are in the process of investigating to help me clear my fraud activity from my credit file. I ask that you can send this to Equifax and XXXX as well to attach to my file with hopes that they remove the accounts that I have been disputing. 

This is an official document from the IRS and it gets no more official than this. I am still being plagued with ID Theft. 

Thanks
Complaint sub-issue: Debt was discharged in bankruptcy

BAY AREA CREDIT SERVICES VIOLATED MY FCRA RIGHTS. They INACCURATELY reported to XXXX XXXX on XXXX XXXX, 2015 on an old COLLECTION account. Bay Area Credit Services reported to XXXX XXXX as a New Account. This is highly illegal for any company to report as a New Account. This account was generated originally over 5 years ago and was part of a Chapter XXXX Bankruptcy. Not only did they violate FCRA rights they also NEVER advised me of any reporting. Clear VIOLATION OF MY FCRA RIGHTS.
Complaint sub-issue: Reporting company used your report improperly

While in the process of repairing the damage of becoming a victim of bankruptcy debt buyers, obviously buying my court ordered discharged debt and selling it completely ruining my entire credit profile after my discharged bankruptcy I find that that the violation continues. I have proven these cases have been sabotaged and illegally used I have provided the suspects name. While Equifax reportedly removed the cases equifax immediately reports them back using a company that has never been involved as the reporting party. I have become victim enough and this is a total violation of the FCRA. I will include images as too just what equifax did. All evidence will be forwarded to the courts for investigation and damages.
Complaint sub-issue: Debt is not yours

XXXX ( original creditor ) and AFNI ( one of their collections offices ) has a history of arbitrarily assigning other people 's debts to me for no apparent reason. I have been a victim of this fraudulent practice with a variety of account numbers on several occasions ( four times since 2017 ) and my credit score was temporarily negatively impacted as a result. In most cases, the credit agencies corrected the entries subsequent to investigations. I have never had any unpaid debts with either XXXX or AFNI, however ; XXXX is, once again, showing that I have a collection account. I've included a page showing the current account in dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account information incorrect

On XXXX XXXX my auto lender with my account # XXXX XXXX XXXX XXXX has deleted the negatives on my account and place my account on " Current Status '' as of XXXX XXXX. 
Prestige Financial Services Account Vice President XXXX XXXX has sent XXXX, XXXX, Equifax and me a electronic email verification on placing my auto loan " Current '' status as of XXXX XXXX. 
Here is XXXX  XXXX XXXX  information ,XXXX XXXX XXXX XXXX, XXXX, Utah.XXXX.XXXX direct number XXXX.and fax XXXX I am respectfully requesting a expedited updated credit scores and credit report as I am going through a VA Loan and purchase process with XXXX XXXX  to purchase a new construction home with XXXX XXXX in Florida. 

I highly appreciate your support as I am XXXX XXXX, XXXX and a XXXX XXXX XXXX Military Veteran. 
Thank You for your wonderful support for our US military Veterans and all Citizens in the Communities of America. 
Very Urgent Matters!
Complaint sub-issue: Account information incorrect

I have two loans with XXXX XXXX XXXX. They were both purchased and enrolled the same date and due the same month. I do make both payments the same date and for the same period at the same bank. I have always made the required payment. However, for some reason, one of my loans has been showing up consistently late for the past 8 months, since XXXX of 2018. I requested correction, made numerous of phone calls, spent lots of hours on hold and spoken with almost about 30 people including senior managers but they all seem to not understand how to correct the error on my account. I last file a credit dispute in XXXX to both credit rating agencies for correction because their irresponsible behavior impact my credit rating. The rating agencies temporarily made an adjustment to my credit because XXXX XXXX XXXX could not prove me wrong. Whatever, XXXX XXXX XXXX did at the time, it seem the did not correct the problem in their system. Since my last communication with XXXX XXXX XXXX in XXXX, I recently check my credit reporting and it shows I am again 3 months late with my payment and one month of no payment. This is really frustrating and I am getting nowhere at this point.
Complaint sub-issue: Talked to a third party about my debt

Calling a household in which I never lived
Complaint sub-issue: Debt is not yours

Spoke to Home Depot to notify of passing of relative. Let them know there is no estate or will or anything to collect from. Now they are sending correspondence to the relative daughter to collect on the debt that has nothing to do with her.
Complaint sub-issue: Debt is not yours

Since 2020 I.C System has been reporting a collection of XXXX $ on my file. I've disputed this several times we both bureaus, I've never done business with this company not sure how they recieved my information. this company is hindering me from extending credit.They are sending me mail to collect a debt that I do not owe. this has stopped me from renting housing, loan approvals, vehicles etc.
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 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$420.00} # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$420.00} # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$25.00} # XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  and equifax keep dropping my credit score, please see previous complaint, they raised score after complaint then 5 days later dropped it again 56 points, never late 18 % usage 8 accounts 6 have XXXX balance 1 had XXXX other XXXX perfect payment record i believe this is harassment for prior complaint, will not give any reason for credit drop
Complaint sub-issue: Reporting company used your report improperly

XXXX ACCT # XXXX DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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: Investigation took more than 30 days

I have a lot of close and pay off account plus they are way to old to remain on my credit file Like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX - XXXX credit card Plus XXXX XXXX credit card
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2022 I attempted to add an external bank account XXXX XXXX XXXX XXXX XXXX ) to our Ally account in order to make transfers from Ally to our XXXX XXXX  XXXX account. I did this through the Ally website and received an automated message that 2 small deposits would be made to my XXXX XXXX XXXX  account. After those 2 deposits were made, I was to return to Ally to verify the amounts to complete the process. On XXXX I received an email from Ally that the account was rejected. I went back to their website and the message on the website indicated that I could delete the XXXX & XXXX account and re-add it at any time. I deleted it, but was unable to re-add it due to an error indicating that the ( optional ) account nickname had already been used. However, using another nickname or leaving the field blank ( as it is optional ) produced the same error. I called Ally and they were not able to add the account either. However, they promised the issue would be resolved in 1-2 days. I subsequently called Ally several more times and each time they would ask me the same questions, such as : " Is this account in your name? ", " What type of account is this? ", " What type of bank is this? ", etc. Ultimately, they would then tell me they needed another 1-2 days. After many calls over many hours, here we are on XXXX and I am still unable to add this account. Ally 's reps have informed me that they are not able to add it either ( confirmed again during a phone call on XXXX at XXXX EST ). There has been NO effort by the bank to actually resolve this. They simply keep telling me they need more time. 9 days is more than sufficient time for them to simply add an external account so that I can complete transfers.
Complaint sub-issue: Information belongs to someone else

www.myequifax.com IS NOT ACCESSIBLE TO ME * DUE TO MY XXXX  XXXX  & AGE. IS THIS DISCRIMINATION AGAINST MY AGE OR XXXX? I have tried & tried to gain access TO NO AVAIL until my hands bleed. I have ASKED FOR SPECIAL NEEDS OPTIONS FOR ELDERLY  XXXX ( *** specific instructions ) TO NO AVAIL. XXXX LAWS & Guidelines STATE ACCESS MUST BE PROVIDED FOR ALL XXXX.. Kindly Note THIS WAS MY ISUUE IN ID THEFT case XXXX I HAVE BEEN PROVIDED NO ACCESS TO MY BANKING. Equifax confirms getting this report. WHY ARE FINANCIAL INSTITUTIONS ALLOWED TO DENY THE ELDERLY  XXXX. AGAIN I ASK FOR ACCESS www.myequifax.com. ( Kindly Note CFPB web is THE ONLY FORM OF CONTACT I AM PROVIDED. ) ** ELDERLY  XXXX PERSONS MATTER!!!!
Complaint sub-issue: Debt is not yours

COMPANY REPORTED THIS ITEM AS A LINE OF CREDIT DEBT
Complaint sub-issue: Credit inquiries on your report that you don't recognize

hello I was checking my credit report through CreditKarama.com and I saw a hard inquiry from a source that I do not recognize, and the report gave me the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX and that was XXXX XX/XX/2018XX/XX/2018
Complaint sub-issue: Information belongs to someone else

" I have disputed this charge off on XXXX XXXX for months. XXXX and XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 
CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. ''
Complaint sub-issue: Account status incorrect

Please help me. I have been fighting with Equifax about accounts they report but there is not even enough information to know who the companies are. They are the only ones reporting several medical accounts. None of which I received any type of communication for and I have not been to the doctor in years. I have attached a copy of my credit report showing the items in question and showing that for whatever reason Equifax is the only one reporting false information.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX an account that I had with my credit union was paid in full. 
Prior to this the account had been closed and when I was made aware of an outstanding balance I paid it immediately. 
I thought this matter was resolved until 2 years later I got an alert from my credit monitoring telling me that this account had been placed as a Charge off with a date of XX/XX/XXXX. 
I have reached out to the credit union to help me resolve this issue but so far all they have done is provide me with a letter showing the account was paid in full but they have failed to correct my credit report. 
I have also reached out to the credit bureaus in hopes of assistance but I always get the same answer after their investigation and that is that XXXX does not provide them with the proper documentation to remove this item, this is despite the fact that I have provided them with a letter from the credit union stating that the account was paid in full back in XX/XX/XXXX