Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I have 3 collections on my credit report from AmeriFinancial Solutions from XXXX XXXX XXXXXXXX XXXX P A. They are in the amount of {$830.00}, {$830.00}, and {$570.00}. I believe one of the {$830.00} is a duplicate. I do not have full account numbers but they end in XXXX, XXXX, and XXXX. The two {$830.00} claims started XX/XX/XXXX & XXXX, XXXX. The {$570.00} claim started on XX/XX/2017. During this time I was on a XXXX plan and should have had coverage for all of these bills according to my insurance plan. When I found that these were on my credit report I was to work with my insurance provider because the debt had already been sold to AmeriFinancial Solutions. The reason I was told the bills were not covered is that XXXX had a record of Me moving out of `` county '' and that simply did not happen. I can verify all my addresses and they all reside in " XXXX County. '' I did not receive a single letter regarding my debt or a letter that I had debt and a way to dispute It. XXXX will not do anything for Me regarding this matter. I would like these debts removed from my credit report as they were incorrectly labeled as debt when my insurance provider should have covered the bills.
Complaint sub-issue: Their investigation did not fix an error on your report

I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed Notfication claiming that the bankruptcy was verified by the Bankruptcy XXXX. 

Appalled by that information, I went directly to Bankruptcy Courts and in response to my inquiry they claim to have never verified this item with you and provided me the enclosed letter. This would mean this bankruptcy is by law considered XXXX. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A XXXX must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the XXXX is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the XXXX letter for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX loan has been fraudulently opened with my information through another company called XXXX XXXX. I contacted XXXX XXXX   and they closed the account but XXXX XXXX remains in all of my credit reports as a negative item. XXXX XXXX has received my police report and other personal identifying information needed. However, XXXX XXXX remains on all three credit reports. I want the negative item removed because it is not mine and fraudulent
Complaint sub-issue: Information is not mine

3 problems I have with Equifax and they are clueless to resolved the problems : 1. Still have n't received my credit report from them, I filled a complaint with CFPB, last month about this. 
2. On XX/XX/2017 I had a hard inquiry placed by XXXX on my file. I have been a XXXX customer for 12 yrs. Never applied for any new services with them. I called and all they said was send my Id and a bill and the would investigate it, still waiting 3. On XX/XX/2017 I received a call from XXXX, stating XXXX placed a Hard inquiry on my report. I have n't applied for anything with XXXX.
Complaint sub-issue: Account status incorrect

This was a misunderstanding. It was supposed to be an automatic withdraw from my account. I called numerous times to rectify the situation was and it was never done.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX, XXXX closed the account they had in my name, but Equifax and XXXX are still reporting it on my consumer report I need both companies to delete immediately. See invoice attached from the company for proof of deletion from XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Was not notified of investigation status or results

There are false accounts included in my credit reported and i have been writing to the bureau for the past two months.
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

EQUIFAX HAS LISTED THIS FRUADULENT ACCOUNT ON MY CREDIT REPORT WHICH IS NOT MINE THIS IS IDENITY THEIF.
Complaint sub-issue: Other problem

XXXX. XXXX. XXXXXXXX XXXX  XXXX. {$25000.00} 3.I 've submitted all the proper documents to prove my claim to all reporting agencies XXXX, XXXX have compiled base on my claim and remove said account from my credit report only Equifax remains to be corrected ... corrected/remove updated ... ( all documents sent by certified mail )
Complaint sub-issue: Information belongs to someone else

After review of my credit report, I discovered numerous Hard Inquiries that I never authorized.
Complaint sub-issue: Debt is not yours

This debt is not mine. I don't have any ties with this company or collections agency. Please remove from my report. I have contacted the company.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

There is substantial documentation uploaded. Please review. In summary, First Progress has not been responsive in my investigation regarding a former friend ( XXXX XXXX ) somehow getting away with opening a secured line of credit and charging my bank account for it. I never authorized paying {$200.00} to fund her a secure line of credit or the {$39.00} additional payment made on my XXXX XXXX XXXX XXXX account. I have subsequently closed the XXXX checking account ( due to suspected fraud, nevertheless ) ; but it appears that charges were made on XXXX 's behalf from both my XXXX XXXX XXXX XXXX account and my XXXX account. XXXX XXXX is investigating this as well, and I have recently sent a request to XXXX  bank to investigate as well. However, First Progress has not been responsive, and this is a serious manner.
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 Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States/ 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. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

I am in the process of purchasing a home upon doing so I had XXXX hard inquires.
Complaint sub-issue: Reporting company used your report improperly

Equifax has been selling my info without me knowing ( illegal ) and now I have over 40 hard inquiries. remove all at once. 
I now have misreported inquiries that do not belong on my credit report. I did not authorize. This is fraud. 
Remove XXXX XXXX XXXX for this is a fraudulent loan and is not mine. 
Equifax needs to raise my credit score.
Complaint sub-issue: Debt was result of identity theft

I have noticed on my monitoring service an account from PLUS FOUR INC in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC multiple times due to multiple accounts being reported a debt of {$66.00} and another for {$91.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file as soon as possible as this these accounts are effecting my personal file.
Complaint sub-issue: Account status incorrect

My US Bank Home Equity Line of Credit says it was late XX/XX/2019 both on XXXX  and XXXX and XX/XX/2019 in XXXX. 

It was already confirmed by U.S Bank that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

U.S Bank has already acknowledged this error, but the late payment is still showing up on my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX INFORMATION SERVICES LLC XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Re : Consumer direct dispute of inaccurate/incomplete item of information in consumer file To EQUIFAX INFORMATION SERVICES LLC, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Social Security # is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My DOB iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The item of information below that you report is inaccurate and I request that it be deleted : Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses. Please delete these outdated addresses and update with the one above. 

My only Phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all Information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Given the nature of all the inaccurate item of information, it is clear this may be a mixed file scenario. 

Mail me a copy of the complete consumer file that you have on me after you act on this dispute. 

If verified, I request a description of the procedure used to determine the accuracy or completeness. 

I have enclosed a copy of my [ Drivers license and a utility bill as proof of my identify and mailing address. 

Be advised, the above and enclosed are sufficient information for you to legally act on my dispute. Any delay tactics or needless requests for information will not avoid your legal obligations to me.
Complaint sub-issue: Account information incorrect

After getting married in XX/XX/XXXX, I merged bank accounts with my husband in XX/XX/XXXX. That same day, I updated my bank account information on the Great Lakes website ( Student Loan provider ) in order for them to continue to withdraw money on a monthly basis ( auto pay ). 
In XX/XX/XXXX I logged on to the Great Lakes website, and found out that they never processed the change in bank accounts ; and thus they did not withdraw any payments for the months of XX/XX/XXXX-XX/XX/XXXX. 
Once I realized they had not collected any payments, I paid the full amount right away. However, they had already reported me to the credit bureau, and stated that I was " late '' in my payments for over 120 days. 
I tried contacting Great Lakes and the Department of Education several times, and appealed the negative credit marks stating that was an error on their end. Despite my clean payment history for over 5-7 years, the request was denied. 
It 's worth mentioning that no calls, letters or emails were sent to me notifying me that no payment had been made on my behalf. That would have alerted me that there was something wrong. 
I then proceeded to hire XXXX XXXX so they could help me clean my credit and solve this situation. Appeal letters have been sent over the past several months, but nothing has been done by the Department of Educations. 
This technical error on their end is costing me a low credit score ( that for so many years I so carefully built ), and it is currently impacting my qualifications to purchase a home.
Complaint sub-issue: Problem with fraud alerts

I moved to a new apartment. In doing so, I noticed that my social security card missing. I reported the loss to Equifax via telephone. Pretty soon all XXXX credit reporting agencies confirmed receipt of the loss. This XXXX, I applied to a senior housing in XXXX. The application was denied. I did not give it importance. Then I applied for a car loan with XXXX because of their 0 % financing. It was then that I learned that there was a fraud alert on my credit. I had become a victim of my own credit alert. The XXXX reporting agencies never bothered to call me when there arose a credit inquiry on me. I have been prejudiced and was forced to take a 4 % financing on my car loan, instead of the 0 % financing. I am in jeopardy of using up my savings just to pay this loan.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I don't recognize this inquiries, i never applied for it.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XX/XX/20 around. XXXX CST an estimated amount of {$2800.00} was transferred out of my account onto a debit card that didn't belong to me and refuses to attempt yo resolve this issue. I did not authorize this transaction and I need my money to be available to me as it has always been.Please take this matter urgent
Complaint sub-issue: Didn't receive terms that were advertised

I have been a past customer of PNC bank and changed my checking away from this bank several years ago, but kept a credit card open with them. I opened a new checking account with PNC in XXXX 2017 as I was looking for another bank close to my home and a friend had good experiences with that branch, so I figured Id give them another shot. I applied for a new checking account with a bonus that advertised {$200.00} for {$2000.00} of direct deposits and 10 debit card purchases in the first 60 days, which I completed.
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I called in XXXX to verify the terms of this promotion and wrote them down on a post-it note, which I still have at my desk. This promotion was listed for existing customers who hadnt had a checking account with PNC with the last X months, I dont remember the exact window, just that I fell within it.
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On XXXX XXXX, approximately 90 days after account opening, I sent a chat message to confirm when the promotion would be posted to my account, and after extensive time to research, told me the promotion was not on my account and I would have to call in for further research.
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I then called and spoke to a XXXX XXXX  who told me that though I met the requirements, the promotion code had not been applied to my account. She told me she called the branch and was unable to talk to the person who had opened my account which makes sense since the account had been opened online. She suggested I go in to a branch, at which point I told her it was unlikely I was going to speak to a third person about this and would just file this complaint.
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At this point, she transferred me to a XXXX XXXX, an escalations manager, who filed a dispute for a bonus not received and told me she would contact me with the results of that dispute. It has been one week since we spoke and there has not yet been an update.
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I do n't understand what the " dispute '' in this situation is since I fulfilled the terms set forth by PNC.
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I have the confirmation number from when I opened this account online available.
Complaint sub-issue: Deposits and withdrawals

OnXX/XX/XXXX, I noticed my account had no money left. I did n't understand why as there was over XXXX XXXX dollars the day before. I reviewed the activity and noticed several charges I never made. I called the bank, they refunded the money of the disputed charges, but yesterday, it happened again. Even though the debit card used to make these charges was cancelled. The bank has let these charges go through twice, and has never called me either time. The card is cancelled, and they still allow the charges to go through. They are not helping me, and I need help. I have no money because of this, I ca n't pay my bills.
Complaint sub-issue: Public record information inaccurate

Please see attached letter from XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I found improper use of my repot all are showing inaccurate on my report i need them deleted immediately and also need a copy of the original copy of the account send me a copy to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX asap In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right of privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a customer reporting agency can not famish an account without my written instructions
Complaint sub-issue: Account information incorrect

Company still reporting debt I do not owe to XXXX
Complaint sub-issue: Reporting company used your report improperly

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 a account without my written instructions.
Complaint sub-issue: Account status incorrect

have attached my identifying documents, this is proof of identity for all correspondences for this communication. The credit reporting agency has over reached and violated my privacy rights via 15 USC 6802-Obligations with respect to disclosures of personal information. Consumer reporting agencies may not disclose nonpublic personal information pursuant15 USC 6802a ( 6 ( a ) ) the Fair Credit Reporting Act establishes this protection to me as a federally protected consumer. Per 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes. Furthermore, I also demand you, XXXX produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 4 days to delete these inquiries. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Without Recourse UCC 3-415, All Natural Inalienable Rights Reserved Delete the following inquiries from my consumer 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 I did not give any of these companies access to my private information, and as the furnishers, you are in violation.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/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
Complaint sub-issue: Information belongs to someone else

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Other problem getting your report or credit score

I am an Equifax Premier Customer and I have been unable to update my credit score or receive my credit report for over 4 months, because Equifax has blocked my file due to too many soft credit pulls ( inquiries ). Equifax premier service allows you to pull your credit report daily but these fail pulls have resulted in me receiving an error message whenever I try to update my report. And because of this block my mortgage lender was unable to pull my credit file and I can not receive financing on my new home. I need Equifax to ARCHIVE ALL of the soft inquiries on my credit, and FULLY REMOVE the block preventing me from receiving my report. I have tried to get my report on the Equifax Premier Page that I pay for every month, through the MyEquifax Page and through my XXXX, but because of the block, I have absolutely no way of access my file. I also would like a refund for the 4 months I have been paying for the service and constantly calling to have this problem fixed, but the no one could help me. I have attached a photo of the error message that I receive when I click the button on my member dashboard to update my score or credit report. And what my page looks like on MyEquifax.com