Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

I have previously sent a letter to XXXX, XXXX, and Equifax XX/XX/XXXX, XXXX its been well over 30 days, I still have received anything back. 

According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX XXXX 2016 a single authorization was given to Branch Banking and Trust to pull my credit to obtain a personal loan. On that day XXXX inquiries were pulled and XXXX more on XXXX XXXX 2016 without my consent. I contacted the branch manager ( XXXX XXXX ) who stated she submitted 2 disputes on the inquiries for me and I contacted a customer service representative named XXXX who said she had checked into the matter and nothing could be done to remove the inquiries. I have been sent around in circles over this since XX/XX/XXXX with no resolve. I need help from someone to help get these unauthorized inquiries removed from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 62 A states I have a right to privacy.

15 USC 1681 section 4 A section 2 It also states a consumer reporting agent CAN NOT furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX has clearly violated HIPAA law in my case. They have my personal information aka medical procedures, too much PMI for a third-party company. I have no relationship or agreement with this company. 

They sent me the attachment.
Complaint sub-issue: Information is not mine

There are a series of unverifiable items on my credit report that need to be removed asap. It is affecting and impeding my ability to borrow. 

I have attached the letter that I have sent via FAX to the XXXX with the complaint.
Complaint sub-issue: Information belongs to someone else

I have sent numerous complaints for equifax and XXXX also XXXX XXXX to remove items from my reports. I even filed reports with the ftc.gov. and fraudulent items still seem to appear on my reports
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX Equifax reported that my credit score dropped XXXX points. The four changes that occurred were ( 1 ) My XXXX XXXX Credit Card balance increased by {$6600.00} ( 2 ) XXXXXXXX DBA XXXX XXXX account closed ( 3 ) XXXX DBA XXXX XXXX balance decreased by {$100000.00} ( 4 ) XXXX XXXX Credit Card number changed because of expected fraud. What I am questioning is yes my Credit Card Balance increased by {$6600.00} but my balance at XXXX DBA XXXX XXXX decreased by {$100000.00}. It looks to me like that would well over ride the {$6600.00} and make my score go up and not down. On XXXX the decrease of {$100000.00} did make my score go up so why did Equifax lower my score by XXXX points.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We are a XXXX XXXX that dates back to XXXX. We have a XXXX XXXX in XXXX VA and we do work for private firms, corporations, schools and government all over the country. We specialize in XXXX  XXXX and XXXX XXXX 

We received an order from someone posing as a purchasing agent for XXXX University. 

They paid a total of {$15000.00} for 5,000 USB drives with a 2 color logo on them.

( We are in the XXXX XXXX ) They sent over a purchase order, his email address looked legit along with his tagline. We were able to look him up in the directory at XXXX  University. Everything  checked out. 

I paid XXXX to get the XXXX XXXX XXXX and shipped them to the customer, that money is already spent ( so I could profit {$3000.00} ) Weeks later theXXXX was charged back and my bank account went negative {$15000.00}. 

Elavon initiated the chargeback, they are also holding $ XXXX ransom for other credit card payments we received from our customers. 

The end result is my company being out XXXX + XXXX + {$4000.00} that Elavon will not give back. 

My insurance policy has some sort of Cybercrime Protection as well. 

So far everyone is pointing the finger at me and telling me that they can't help me. 

Apparently the card was flagged as stolen back in XXXX.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent letters to Equifax, XXXX and XXXX regarding inaccurate and unknown items on my credit report. It has been over 4 months and I have not received a response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 4 months so these items should be deleted as soon as possible. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Complaint sub-issue: Debt was paid

I placed an order with XXXX XXXX XXXX  utilizing XXXX. In XXXX, I notified them that I still had yet to have received the product and to date -- I still have never received the product. I notified XXXX in XXXX of 2019 that my account was still showing a balance when I had never received the product. They then reported inaccurate late payments ( that were never owed ) because I never received the product. I notified them both in writing and email yet received no response. Later I found that the account was sent to collections to Afni and now they state that, that I can only dispute with Afni. Afni never mailed me initial notification that they received the collections. I have contacted Afni via email but still have not received any communication in the mail. 

I never received the product and thus no balance was owed. Both XXXX and Afni need to remove this as a delinquency / collection considering the product was never received.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX acct # XXXX and 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 without my written instructions.
Complaint sub-issue: Debt was result of identity theft

Never got a letter or anything just checked my credit and there this Jeffcapsys for XXXX XXXX is for {$930.00} on a debt that I have never had. I talked to XXXX the account was opened when I was XXXX. Ive been u see my parents cell phone threw XXXX  my entire life : I have tried removing this but Jeffcapsys person on the phone says too bad pay or we will sue.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is continually reporting inaccurate and misleading information in my credit file. I have filed several disputes and get no where as far as having these inaccuracies removed. According to the FCRA I have the right to request that the furnisher provides proof that these accounts are mine and Ive never received any proof of account ownership after many requests. They are painting a very inaccurate picture of my credit history and financial responsibility and it is affecting me tremendously I am being denied for accounts that do not belong to me! Im so exhausted trying to fix my credit Ive been trying for years to get them to do their job. They are not following the law and I feel are purposely reporting inaccurate information to further hurt minorities and keep us in conditions where we can not progress. Credit is everything and they should only report accurate factual information or remove it if it can not be accurately verified.
Complaint sub-issue: Public record information inaccurate

LexisNexis provides information to the different credit reporting agencies regarding public records, and background checks. LexisNexis is reporting a chapter XXXX bankruptcy on my report from XXXX which is now reporting on my three credit reports, and is ruining my credit. I have made dozens of attempts to correct this information, unfortunately LexisNexis is refusing to help me. They have only provided me a letter stating there " research '' shows it is correct. There " research '' is incorrect. 

First and foremost I filed chapter XXXX bankruptcy in XXXX, Federal Law prohibits filing chapter XXXX again within 8 years. So what they are claiming isn't even legal. In addition to this I also received a letter from the Superior Court of XXXX ( the same court, they are claiming this BK was filed in ) that letter clearly states it is an error, and goes into detail regarding the same Federal Law mentioned above. 

I will say in there defense the chapter XXXX is real, however it is my ex wife 's chapter XXXX so I can see how they are confused. But I believe considering the law, and the evidence I have provided them I believe they need to correct there error. And provide an update to all three credit bureaus. 

Thank you for your time and consideration.
Complaint sub-issue: Transaction was not authorized

I am a victim of unauthorized ACH debits to my checking account. My account is with PNC, XXXX, MD. The fraudster 's credit card is issued and connected to my account by XXXX XXXX XXXX, XXXX XXXX, SD. Our names are not related. An amount of {$5600.00} fraudulently drained between XX/XX/XXXX and XX/XX/XXXX in 37 transactions. When the first time my account was debited, PNC did not seek my approval. XXXX XXXX XXXX  also failed to authenticate if their credit card holder is authorized to connect to my PNC account. 
PNC tells me that with my bank account number can attempt an ACH transfer to pay a credit card. This to me is a serious loophole. When I set up bank transfers between my bank accounts, I must verify small transactions before the regular transfer can be set up. There is no way to stop debits from my account by ACH I am told. 
PNC refunded only in part with their declared 60-day liability. I am unable to contact the XXXX XXXX XXXX because I am not their customer and when I call, I can not proceed. 
My interest is more than the recovery of my money. PNC says there is no way to stop this type of fraud until I detect and complain. Surely, fraud detection can improve from the Bank 's side. Criminals who commit financial fraud must also be punished. 
I seek your help for my personal cause and the social benefit to prevent fraud.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

My cell phone broke credit karma did not recognize my tablet but did recognize my sim card. I called XXXX time no would help me even when I email my valid Washington state drivers license, birth certificate bank atm card and bill.also I sent XXXX different vehicle titles and a car insurance claim all with my address. I have lived here XXXX  years. They will not change my phone number they accept landlines which I have but refuses to do anything. So the are basically stealing my income tax return. The told me it was accepted then that it wasn't. I only logged in on XXXX devices from the same location. I am so frustrated XXXX is my only option they refuse to do anything. I've called and sent over XXXX emails.credit karma has the worst customer service other planet.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX completed an investigation of credit report, no resolution. Stated a company XXXX XXXX provided information. 

XXXX XXXX XXXX have no such information per a letter mailed to Me. Also inaccurate information still reported on file. XXXX XXXX complete investigation on XX/XX/23 but informed your company its still pending. Spoke to XXXX at XXXX XXXX, no public information regarding bankruptcies only insurance information and also address and phone records. XXXX XXXX XXXX  XXXX. 
FCRA 15USC 1681 a this is clearly a violation of this company. 

After your company notified them they adjusted my name as on your report to match information. I do not have a middle name NA. The letter from XXXX XXXX  contains a PIN number and hyperlink which displays all information held in XXXX XXXX files. I have forward this info to XXXX as well. Still no resolve
Complaint sub-issue: Reporting company used your report improperly

I told his company that was not my public record and that they did not have my consent too use that information and they are getting miss information from a third-party and not the Court itself
Complaint sub-issue: Account information incorrect

THE XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Complaint sub-issue: Information belongs to someone else

I pulled my credit for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$830.00} US DEP ED XXXX {$26000.00} US DEPT ED XXXX {$36000.00} DPT ED/XXXX  XXXX {$60000.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$68.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00}
Complaint sub-issue: Debt is not mine

I discovered this collection item in my credit report in XXXX 2015. I contacted ProCollect in writing to request validation. Their response was to send me a computer screen shot of a move-out summary for an apartment complex that did not contain enough information for me to determine if I am responsible for this alleged debt. I do n't recognize any of the information. In XXXX 2015 I again requested, in writing, additional information. I did not receive any response. I have requested for the credit bureaus to investigate this item as I still do not believe I am responsible. ProCollect continues to verify the information as accurate to the credit bureaus without having provided validation to me. I again contacted ProCollect, in writing, in XXXX 2015 demanding validation be provided to me. I still have not received any response whatsoever.
Complaint sub-issue: Debt is not mine

Filed a complaint about another debt collector on this issue in XX/XX/2015. See file XXXX. Another debt collector EOS CCA is trying to collect on the same debt on behalf of XXXX XXXX XXXX although the debt is not mine and the previous collector removed this debt from my credit report in XX/XX/2015.
Complaint sub-issue: Account status incorrect

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS SEVERAL LATE PAYMENTS REPORTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ON MY XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD WHEN MAKING ON-TIME PAYMENTS.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 43 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.
Complaint sub-issue: Report provided to employer without your written authorization

Drivetime is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my XXXX, XXXX and XXXX consumer report on date of XXXX
Complaint sub-issue: Delay in processing application

Applied for a XXXX XXXX  secured credit card on XX/XX/18. Funded with XXXX of {$1000.00}. Review of bank acct shows {$1000.00} was deducted twice with two separate transfers for a deposit of {$2000.00}. Checked with company who has no information re : deposit or application. XXXX XXXX now wants another {$1000.00} now to process application.

Contacted XXXX XXXX to resolve issue, unable to locate deposits. ( XXXX XXXX XXXX transfer reference # 's available showing both transfers to XXXX XXXX ). XXXX XXXX Incident reference # XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

My rights are continuously being violated under Title 15 USC section 1681 and USC section 1692 of the fair credit reporting act. Consumer has made multiple attempts disputing with Equifax that I am a victim of identity theft and do not recognize charges listed in my FTC identity theft report.I have filed complaints thru CFPB on XX/XX/2021, XX/XX/2021, and XX/XX/2021 and Equifax would provide NO proof of debt but claim debt was verified. The law ensure accuracy, fairness and privacy and all my rights under this statute are being violated. A Federal Lawsuit will be brought against Equifax for failure to comply with FCRA regulations if these items are not removed from my credit reporting file.
Complaint sub-issue: Public record

I have a Incorrect reporting in my Equifax, XXXX XXXX, and XXXX.Credit report. They are reporting incorrect information and refusing to remove it. I have sent them Dispute letters and asking them of validation including plaintiff, Plantiff 's attorney, Creditors, amount, claims, assets, exempt amount, The exact date of filing. Trustee, who did they speak with They just send letters stating that they verified it with the bankruptcy court! That 's a lie, I contacted the bankruptcy court and they informed me that they DO NOT provide information to the CRA. Also they are refusing to remove chapter XXXX after 7 years. I asked how can there be a Chapter XXXX without plaintiff 's creditors, assets, amounts? They just say it 's verified. 
Your help with this mater will be greatly appreciated.
Complaint sub-issue: Account information incorrect

AES/PHEEA is reporting I owe on students loans that are XXXX  years old. I have called them on several occasions and they refuse to remove the information. 

I have reported the company to Federal Trade Commission. 

It is against the Fair Credit Reporting Agency to report information that is XXXX years old. 

They are reporting the information in the amount of XXXX XXXX and XXXX. These loans were consolidated in 2006.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2.XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX 4 . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( Duplicate ) 5.EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7.XXXX  XXXX XXXX XXXX, OH XXXX 8.XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX , UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Account information incorrect

I have repeatedly disputed incorrect payment history on my account. It keeps reading every month and has been charged off since XX/XX/2014. Somehow they keep saying that I am making payment and then going in to collection in an effort to renew the debt and keep my score low. They refuse to remove the incorrect information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX COLLECTION XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 an account without my written instructions.
Complaint sub-issue: Problem with statement of dispute

I received an alert on my Equifax credit reporting changing one of my accounts in good standing to say, " I was disputing the same and a re investigation was in progress. '' this is false. I never once disputed this item with Equifax. I am starting to believe Equifax is retaliating against me for my other XXXX complaints I filed with this office. I am not and have never disputed an account in good standing. The account information is attached it was a XXXX XXXX XXXX. Why the comment was added without my permission or knowledge is completely unacceptable and false. The attached is my alert from Equifax on XX/XX/2015, as you can see they falsely indicate I am disputing this item. I no longer trust Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed a dispute with EQUIFAX on XX/XX/XXXX asking for an independent investigation and asking them to verify accounts with original contracts as well as original signatures, asking EQUIFAX to independently verify legal ownership of these following accounts : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # xxxxxxxx XXXX XXXX XXXX XXXX  Account # xxxxxxxxxxxxxxxx XXXX On XX/XX/XXXX EQUIFAX said that the investigation to my disputes were closed, but they did not furnish me with any signed contracts or any original contracts, they also didn't furnish me an independent report, they also did not furnish me with any data at all, of their investigation. They violated my rights according to 602. [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. 


Thank you for your attention to this Urgent matter.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft and I've sent a letter last XXXX it's almost 30 days now but I Haven't received any response yet. I was so stressed and always thinking about how to solve this issue. I need help!.