Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my XXXX XXXX : XXXX-Date of inquiry XXXX/XXXX/2021
Complaint sub-issue: Reporting company used your report improperly

I have new information Fact, on XX/XX/XXXX I notified Equifax that they were violating my privacy by reporting an alleged bankruptcy XXXX without my consent. 
Fact, A consumer reporting agency can not furnish information on a consumer 's report without my written instruction 15 USC 1681 ( a ) ( 4 ).

Fact, the reported case number of the alleged bankruptcy is inaccurate.

Fact, Equifax response on XX/XX/XXXX did not sufficiently address my ( the consumer concerns ). 
Fact, Equifax responded with a form letter Fact, Equifax continues to report inaccurate information after being notified of its inaccuracy. 
Fact, US Bankruptcy Courts do not report information to any consumer reporting agency. 
Fact, I suffered financial loss due to Equifax 's inaccurate reporting. 
Fact, Equifax 's inaccurate reporting caused me to be denied for a home equity line of credit. 
Fact, The XXXX data breach has compromised the accuracy of Equifax 's data.
Complaint sub-issue: Information belongs to someone else

Who it might concern with this letter I inform that my fathers social security number are very similar with only one digit difference we have both the same name and have shared same addresses for the past 15 years. My father social security number is completely the same expect for the last number his social security ends on XXXX and mine ends in XXXX. As a result the creditor Citi Bank with account XXXX and the debt amount of XXXX needs to be removed as they do not belong to me but to my fathers. In case an affidavit is needed my father has signed and dated one with documents confirming that this account belongs to him.
Complaint sub-issue: Investigation took more than 30 days

The current credit bureau hasnt verified any debts they claim I owe and its been more than 30 days.
Complaint sub-issue: Delay in processing application

On XX/XX/2021, I applied for a Discover It card using a referral code from my brother in law. I then received the card on XX/XX/2021. I attempted to activate it per the instructions mailed with the card, but was told that I would have to call to activate. Once I called the listed phone number, I was told to upload 3 bank statements and sign a document ( 4506 C ) to verify the account. I did as I was instructed. 
On XX/XX/2021, I received an email that said Discover needed to speak with me about important info for my account. I called and was told that only 2 bank statements were actually received even though I made sure to upload three. I uploaded the remaining statement as instructed. 
I then received an email on XX/XX/2021 that notified me that Discover had closed my account effective immediately due to Discover being " unable to verify personal information '' on my account. I have not received any more explanation as to why the account was closed.
Complaint sub-issue: Information belongs to someone else

I CREATED AN FTC REPORT IN XXXX OF 2020, BECAUSE A FRADUULENT ACCOUNT WAS PLACED ON MY CREDIT FROM I.C. SYSTEMS WHICH IS ORIGINALLY FURNISHED BY XXXX XXXX. THEY ARE CLAIMING THIS ACCOUNT WAS MINE, SO I REMOVED THE ACCOUNT OFF OF MY REPORT USING THE FTC LAW 605B. THEN THEY RE-INSERTED THE ACCOUNT ILLEGALLY BACK ON MY CREDIT XX/XX/XXXX. WHAT THEY ARE DOING IS ILLEGAL AND IF NOT RESOLVED I WILL BE PRESSING CHARGES.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently checked my credit report and there I discovered a lot of inquiries from unknown sources. These was not authorized and should not be on my report.
Complaint sub-issue: Didn't receive enough information to verify debt

Hunter Warfield became a part of my life in XX/XX/XXXX. Hunter Warfield reports that they are the collection agency for an apartment that I had in XX/XX/XXXX. I moved out of the apartments they are collecting a debt for on XX/XX/XXXX however after checking credit due to receiving numerous of calls from Hunter Warfield they have been reporting on my credit report since XX/XX/XXXX ( I was still staying in the apartment at this time ). The company as stated above calls soooo many times a day that it is becoming harassment. They will contact my cell phone and turn around and call my house phone and repeat. When I first became aware of hunter warfield being on my credit I request that they provide validation due to the timeframe being off. The company sent me a letter typed on letterhead but it was not validation to the debt and the amount was not accurate. When speaking to a representative they are VERY unprofessional and demand funds on each call. On many occasions when receiving voicemails from this company, they leave you DOB, as well as your SS #, which I'm sure is a violating of some sort. I have reached out to my old apartment complex to possibly confirm Hunter Warfield being a collector for there agency but this is still not being verify. At this time Hunter Warfield has not provide information im abide to in accordance with fdpca, which mean they have not properly validate the debt they using bully tactics to received. I have dispute this account on 2 occasion and they are stating they meet the FCRA requirements but they have NOT. I am requesting that this account be deleted from my account immediately. I have no contract with the company and this company as well as the suppose original creditor has no contract to confirm I am responsible for paying the incorrect amount they are requesting. Please ensure that this information is properly deleted from my acoount due to the company not being able to validate the information within the proper timeframe with the proper legal documentation. 

Thanks
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I filed several complaints with CFB about the discrepancies on my credit report. I had XXXX bankruptcies on my reports from XXXX, Equifax and XXXX. XXXX XXXX XXXX MARYLAND XXXX XXXX was removed from my XXXX account but is still showing on my Equifax and XXXX reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX XXXX, 2021 Discover Financial submitted a hard inquiry and pulled my credit without authorization. I spoke to Discover Financial and they removed this hard inquiry off my XXXX and XXXX and they refused to remove it off of my XXXX credit report. I filed a police report to investigate this fraudulent activity back in XXXX. Discover Financial did not have my permission to pull my credit.
Complaint sub-issue: Information belongs to someone else

I pulled my credit and happened to see a major error on my credit report. I 've sent in 3 certified letters to all   XXXX   credit bureaus. Incorrect inaccurate, errored information that these credit bureaus are reporting. I 've asked the companies to show me verification of any documents or verify my signature and they have failed to do so several times and they continue to verify an account that has nothing to do with me.
Complaint sub-issue: Information belongs to someone else

Disputed The Company XXXX on my credit report several times because it was not my account. Someone had stole my identity ( my ID and SScard ) and purchased some credit cards and a car loan in my name. Tried to do the right thing and reach out to the company. A young lady called me after reporting it by the name of XXXX/XXXX. Seemed nice at first. She told me to send them a copy of my drivers license, sscard a notarized identity theft affidavit and that should clear things up and they would take it off. She then sent a email and a letter to my house explaining the same 3 things to fax to them. I did exactly what she asked of me to do and then she called me back stating they needed some more documentation showing bills front hr past few years and etc and that would help with my case. I told her it was ridiculous! Something told me to go online and look this company up and when I did, I haven't seen not one good comment about them. I even saw where someone who actually had a actual account with them paid off their loan and they still put it on their credit report as not paid off. I am tired of battling with this company trying to prove to them that the account with them is not mines. They are being stubborn and yes, when I called in to ask for XXXX they were very rude on the phone. I couldn't believe it! I now have to waist money and seek legal help with this company from their unprofessionalism!
Complaint sub-issue: Problem with personal statement of dispute

Via certified mail ( XX/XX/XXXX, XX/XX/XXXX, and XXXX ) I have requested Equifax to include a statement regarding a unverified account on my credit report. I received 3 letters requesting to send in verification and each time it was sent and the following month I was sent the exact same letter requesting verification. 

I have requested the following statement : " The XXXX Bank / XXXX 's account is a fraudulent account whereas the creditor states they have no signed documentation I opened the account. This information has been provided to XXXX, XXXX, and Equifax Credit Bureaus. XXXX &  XXXX  have removed the account - Equifax refuses to do so. Please obtain a " correct '' copy of my credit report to the two other agencies.
Complaint sub-issue: Information belongs to someone else

After carful review of my credit profile I notice multiple unauthorized inquiries. I filed a police report. Please remove the following inquiries from my credit profile - these are unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM NOT A CREDIT REPAIR COMPANY
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I would like a full copy of my report.
Complaint sub-issue: Received bad information about your loan

I stayed on the line for almost an hour for someone to even pickup so I can discuss my account and what terrible and UNPROFESSIONAL customer service. The rep had no idea how to address any of my questions and started to just LIE to provide answers. How am I supposed to receive any clear answers when Mohela 's reps are this unprofessional and not even trained for this role. SUCH a SHAME. I need clarification for my public service loan forgiveness and I do not know how to even have any of my questions addressed.
Complaint sub-issue: Information is not mine

Equifax continues to report a negative XXXX account XXXX on my credit report even though I was just an authorized user and had no payment responsibility for the account. I disputed this account with the XXXX nationally based credit reporting agencies and the account was correctly removed by XXXX and XXXX, but Equifax continues to report the account even though their records show me as an authorized user.
Complaint sub-issue: Problem getting your free annual credit report

On XXXX, I requested my free annual credit report at https : XXXX After completing the site 's form, requesting my free report from Equifax, and answering all of Equifax 's credit questions, the site said I could get my credit report. When I clicked a button to get the report, the next page said I couldn't get my report online and that I'd have to fill out a form, and additionally send my personal sensitive information by mail. The website read : Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 
How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the ( PDF file ), along with the documents described below, and mail them to : Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills
Complaint sub-issue: Didn't receive enough information to verify debt

I've sent several requests to verify a debt that Americollect is trying to collect from me. I've requested specific information regarding the accounts they state are owed. In their last response to me, dated XX/XX/20, they state that they have provided a response to my request for validation of what they are reporting is in fact accurate and does belong to me. They also claim that my dispute was deemed " frivilous '' because there was not substantial change in information provided. This is an inaccurate statement, which I have attached copies of all letters sent as of today. As you can see in my letters, each one was different and requested different information based on different laws that are afforded to me as a consumer.
Complaint sub-issue: Overdrafts and overdraft fees

Currently, I bank with U.S. Bank. Based on a review of my account, U.S. Bank is withholding deposits to force overdrafts. 

A deposit of {$170.00} from XXXX to my U.S. bank account on XX/XX/XXXX was with held. As well as a deposit of {$210.00} was also withheld on XX/XX/XXXX. The withholding by of these deposits forced my account to overdraft. 

I can add more examples of where this has occurred. I have reached out to U.S. Bank ( XX/XX/XXXX ) and they have refused to help me. 

Thank you
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$16000.00}
Complaint sub-issue: Debt was paid

There is a collections reporting on my credit file with Amiericollect Inc. This was for a hospital debt that was covered by XXXX. I contacted them directly and they told me I had to contact the hospital and when I did the hospital confirmed it should have been covered under the XXXX. I contacted the collection agency and sent the documentation after getting the run around from the hospital and the collection agency they told me that it was too late that the account was over 6 months old. I started fighting this as soon as I was made aware of the debt which was XX/XX/XXXX of this year.
Complaint sub-issue: Reinserted previously deleted info

These are the same accounts from CFPB case # XXXX. Also, please see the attached letter from XXXX which states my identity has been exposed to the public. 
These accounts were already removed and someone, please remove them ASAP. 

account has not been paid as agreed. 
XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$110.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$110.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$130.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$130.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$180.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$180.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$120.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$120.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Collection account
Complaint sub-issue: Account information incorrect

the car loan from XXXX XXXX XXXX was paid in full on XXXX. From {$800.00} to the current balance of {$0.00}. 

XXXX # XXXX Account # XXXX
Complaint sub-issue: Old information reappears or never goes away

I have two loans from XXXX XXXX that have been consolidated, but are still showing on my credit report. 
They were both opened on XX/XX/XXXX and closed on XX/XX/XXXX. 
The first one is for {$5500.00} and the second is for {$2100.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit reporting act XXXX  account, has violated my rights. 

15 USC 1681 Section 602 Staes I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

Today XX/XX/XXXX i checked my credit report and i saw two accounts thats on it without my permissible use. I never did business with these 2 companies on my credit report. I reached out to the vcredit bureau and they explained to me that i need a ftc report since i did not recognized these accounts. Also, i have a address on my credit report that i have never lived at. It is listed on the ftc report. I am asking that these account be removed from my equifax and XXXX  credit report because i did not authorized or did business with them.
Complaint sub-issue: Old information reappears or never goes away

XXXX shows a date of being opened on XX/XX/XXXX in the amount of {$3700.00} and {$710.00}, which is incorrect I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX showing a balance still owed and this account has been settled. 
XXXX XXXX shows a date opened on XX/XX/XXXX in the amount of {$1200.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX XXXX XXXX shows opened on XX/XX/XXXX in the amount of {$1000.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
ERC shows opened on XX/XX/XXXX in the amount of {$680.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX shows opened on XX/XX/XXXX in the amount of {$500.00} I did not open an account with this creditor in XXXX. If an account was opened it is fraud. 
Balance : {$220.00} unknown creditor XXXX : {$82.00} unknown creditor
Complaint sub-issue: Problem with fees

Please refund the late fee of {$28.00} charged on XX/XX/2019. 
I was on the airplane and paid the minimum amount due as soon as I got home ( XXXX in the morning ).
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XXXX XXXX XXXX XXXX XXXX is sending accounts there were included in bankruptcy to collection agencies to try to collect the debt that was discharged in bankruptcy. Rodenburg Law Firm is trying to collect on their behalf.
Complaint sub-issue: Investigation took more than 30 days

I XXXX XXXX XXXX a natural person/consumer noticed i had identity theft on my recent credit report XX/XX/2022. Along with other things that were incorrect such as name addresses and employment. I filed a FTC report on XX/XX/2022 and have not got any type of response from XXXX, XXXX, Equifax and XXXX.
Complaint sub-issue: Keep getting calls about your loan

I have an account with Firstmark Services that was co-signed. I have had this same issue before, but I have scheduled a payment to be made, and they are calling my co-signer and telling them that my loan is very late and has not been paid. Not counting the holidays and weekends, my loan is only XXXX  days late, and I scheduled to have the payment deducted on XXXX, but the payment has been scheduled since XX/XX/XXXX. Firstmark called me at XXXX on XXXX XXXX and did not leave a message, I was in a meeting and unable to return the call, nor was a message left for me to reference. It was not even XXXX minutes later they were calling my co-signer. They told her my payment was extremely late, and never once mentioned that I had a pending payment. That is a total lie. I have had this issue with them previously, and of course they tried to defend their position. Their payment collecting practices are false, misleading, predatory, and threatening. They also tried to lie and say that they never called her, which is totally false. My co-signer would have no idea the status of the loan without their phone call. In this kind of climate where people are unable to work and having to stay home from work with their children because of the pandemic, Firstmark should not be allowed to harass and intimidate their borrowers. I do not want Firstmark to contact my co-signer at all anymore. My payments are all up-to-date. Something needs to be done about this company.
Complaint sub-issue: Was not notified of investigation status or results

The credit bureaus failed to respond within the time frame allowed by the FCRA. I have had such a hard time trying to get them to remove inaccurate information as well as the credit freeze. Please help