Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are making my credit in a very bad standing. The accounts listed below aren't not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand what is going on? Please help me! 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 11 XXXX   XXXX 12 XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, Equifax, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( XXXX ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX - Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX - Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX XXXX # XXXX - Reported bal {$390.00}
Complaint sub-issue: Frequent or repeated calls

This person calls. Does not say where he is calling from other than the state. Does not indicate why he is calling or what it is about. He is rude. Has called my work when I have asked not to be contacted as I am not allowed to have personal calls.
Complaint sub-issue: Account status

Describe what happened so we can understand the issue ... 
I was client from XXXX XXXX XXXX XXXX, were I took a loan to purchase a vehicle in XX/XX/XXXX. 
My payment were always paid on time. Later in XX/XX/XXXX XXXX XXXX XXXX XXXX, were underinvestigation from the XXXX County Prosecuting office for money laundering. XX/XX/XXXX, a company called XXXX XXXX, contacted me via phone explaining that they 've purchased the right to collect the remaining balance of my loan which it was a little over {$9000.00}. They also explained that two payment were never received by XXXX XXXX XXXX XXXX, in the amount {$1000.00}. I spoke with XXXX XXXX, and explained that my payments were up to date, and they refused to accept my receipts to show proof of my payments. I was still in communication with XXXX XXXX, to forward proof of my payments via fax. While in communication they dispatched a tow truck company a week later to repossessed my vehicle in the middle of the night. This was XX/XX/XXXX. My kids XXXX gifts were in the vehicle and XXXX {$1.00} XXXX silver coins, given to my sons as a gift from their grandfather which were stolen from inside of my vehicle by the tow truck company together with my kids XXXX gifts. I contacted XXXX XXXX, in the morning and they said if you do n't pay the {$1000.00} we will put the car in a auction. The tow truck company charged me {$750.00} for over night storage which the vehicle was only there for less than 5 hours. While trying to recover my vehicle in the morning I was forced to pay {$1000.00} + XXXX totaling {$1800.00} dollars. I recently checked my credit report, and found a negative nonpayment and delinquent report.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2021, I wrote to Equifax requesting an investigation into items that i believed to be inaccurate. To date I have not received a reply from Equifax or any acknowledgement that an Investigation has started. I've attached my proof along with the accounts.

Equifax is not complying with their own policies in a timely manner. Equifax did not comply with their policies to complete and investigate items within 30days
Complaint sub-issue: Information belongs to someone else

In or around XXXX my Identity was stolen and used to open several auto loans and credit cards without my consent. I would like to have this removed from my credit as soon as possible because I should not be punished for being a victim.
Complaint sub-issue: Problem getting your free annual credit report

Tried to pull two credit reports today ; XXXX and Equifax. 

For identity verification, Equifax displayed a series of irrelevant questions, then claimed they were unable to verify my identity. Interestingly, they were able to verify my identity for a previous transaction on same day. Subsequent attempts to pull report resulted in same result. This has happened multiple times with Equifax. 

Later today I tried to pull my XXXX report and received the following message - " We're sorry. A condition exists that prevents XXXX from being able to accept your request at this time. ''
Complaint sub-issue: Frequent or repeated calls

I separated from my husband we both had our phones through XXXX XXXX I took my phone and assumed responsibility. That point I had it for a year I change companies to XXXX had them walk me through each and every charge and how to get out of that phone. Paid that amount and 2 months later I receive a huge bill. As soon as I receive this bill I contact the company go over it they said that there are now new fees that are going to be attached. At that point I completely disputed the bill. No form of dispute took place with this company I could not fight the charges there were no steps for me to take I put a dispute in with my credit reporting agencies and it still stands that way now this was almost 7 years ago they're not allowed to be on my credit report after that time. So they have chosen to sell it to another company and they're reporting it as a new debt only thing on my credit report I refuse to pay it because this was a wrong practice in the first place! Now this company is harassing me I mean from phone calls to letters in there different phone numbers every time. Even though I say I dispute it that they're not allowed to report it to my credit agency that they are not the ones that had their debt and mine has been just how can they sell a disputed item anyway? Nothing has taken place for me to even have a stand to dispute! XXXX XXXX is the new company the debt they are reporting a {$660.00} debt when I paid every single one of my fees to get out of that contract I can't do it!
Complaint sub-issue: Funds not received from closed account

On XX/XX/XXXX I called PNC Bank to close my checking account. I was told the bank would close the account and send me a check for the remining funds in the account ( approx {$1700.00} ). They told me it would take a week to 10 days. More than XXXX weeks later I had not heard back, so on XX/XX/XXXX, I called and spoke with a representative who confirmed that a check was written to me on XX/XX/XXXX and sent on XX/XX/XXXX. We confirmed that it had been sent to the correct address. I confirmed that I had not received it so wanted them to send a new check. The representative said a case would be filed for stop payment, and a case worker would be assigned and then the case worker would call me within XXXX days to have a new check sent. On XX/XX/XXXX, a case worker called, but did not leave any contact information to call back if there were further issues. She said a stop payment would be issued, a new check sent, and she would reach back out to me once that had been done. XXXX days later, On XX/XX/XXXX, I had not heard back, so called the bank 's customer service number. After spending more than XXXX minutes, and having been disconnected multiple times, all I had found out is the first name of the case worker and the fact that a stop payment had been issued on XX/XX/XXXX. I repeatedly tried to get connected to the case worker and repeatedly asked for direct contact information so that, if I got disconnected, I would have someone to call direclty instead of having to go through the customer service phone menu and re-describe my issue. I was repeatedly denied any contact information. As a result, each time I was repeatedly disconnected, I was forced to go through the phone menu and redescribe the information ( at least XXXX different times ). After demanding to speak to a supervisor, I was still only provided with the email of the case worker and a supervisor ( no phone number ). I was told that a message had been left for the case worker to call me back. I was later called by the case worker who told me that a check had been issued " earlier today. '' and was being sent by regular mail and I should receive it in a week to 10 days. 

At this point, almost XXXX month has passed since I closed my account, and I still do not have my money. XXXX month seems too long to wait for them to give me my money back after I've requested it, and they have definitely made it very difficult to get them to do anything about it. Even if I get the money in the mail, this is unacceptable.
Complaint sub-issue: Deposits and withdrawals

On the week of XX/XX/XXXX I made a deposit consisting of money orders that were made to the order of myself. They were totaling XXXX dollars. The bank automatically assumed that it was fraudulent and freezes my account. They have not told me what is going on and consistently lie to me about the status of my checking account. They automatically made the assumption that I was cashing money orders fraudlently. They automatically thought I the person who the money was for was a scam because I talk to him online. The bank has froze my account due to the fact that I deposited these money orders in my account. They have not told me what is going on reguarding the status of the account and XXXX only told me that I would be implicated because of the money orders being deposited in my account. They have violated my rights to privacy and had automatic assumption that I was using the account for fraudulent purposes they told me they contacted the sender but will not state what she said. They show no interest in The identity of the person who I was going to send the money for nor do they have an interest in identifying him even though he was the person who instructed the sender to send me the money orders and gave the sender my information. The banks only interest is to implicate myself as a fraudulent person and not the actual receiver of the funds that I deposited in my account. The bank is not being transparent or honest about what is going on with my account. It seems the bank had closed my account even though customer support representatives state that their is only a hold the account. They have contacted the sender who is giving multiple reason for why the funds were sent to me. I had a person on my behalf contact the bank to clarify what the funds were for as I told the person that I talk too online to tell them what the funds were for as the funds were for him. The bank not interested about who the funds were for but seem to be seeking to close my account and implicate myself as a criminal for the fact that I was sent money orders that were ordered to be paid to myself with out the bank actually being honest about what the bank investigated and found out and was told about the funds in my account. They treated myself without any dignity have no reguard for my rights as a person as they do automatically assume that there is something wrong they also dont follow the law as I have had other problems with the banks practices reguarding my business with them. They should never automatically assume that Im depositing money orders for fraudulent purposes which I am not. The bank subjected myself to an unreasonable search and seized my money without being honest about what is going on reguarding my account.
Complaint sub-issue: Overdrafts and overdraft fees

I have had this checking account since XXXX. I always direct deposit enough money to pay the Home equity loan prior to it being due. In XX/XX/XXXX they charged me a random {$7.00} fee on XX/XX/XXXX. They then paid my loan payment to themselves and overdrew my account by {$5.00}. I only use this account for a discounted rate on the loan through them. They proceeded to charge me {$36.00} for the overfdraft and {$7.00} a day for being overdrawn. On XX/XX/XXXX they sent me an email that I did not see as I deleted it because I do n't use PNC for anything else. I did see the 2nd email they sent me XX/XX/XXXXand I called that day. They agreed to take off the overdraft and 1 day charge of {$7.00}. I explained to her that this was a pyramid scheme and I have never had a fee one time like this and she just said the system will only let me remove {$43.00} and there is no manager I can talk to. Her only explanation was it is a free checking account and I missed the cutoff for that cycle by 1 day and there was nothing left to say. It was transferred from my other account prior to the XXXX break/weekend. This is crazy and unfair but she refused to even let me speak to someone else about it. I have since spoken to other people that said PNC did similar things to them.
Complaint sub-issue: Debt was result of identity theft

Account Name : I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my credit report
Complaint sub-issue: Information belongs to someone else

Identity theft XXXX XXXX XXXX XX/XX/2013 amount XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 EQUIFAX removed the collection account of XXXX XXXX XXXX XXXX XXXX from my credit report however, it was added back without properly notifying me. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than XXXX business days after the reinsertion. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action.
Complaint sub-issue: Debt was result of identity theft

I was victim of identity theft and I contacted the collection agency and provided information informing them that my identity was stolen and advised them I contacted the original creditor Lending Club.
Complaint sub-issue: Debt is not yours

This debt is not my debt my account was subjected to identity theft/ forgery.
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. 



Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX  Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX  Account name : XXXXDEPT OF ED Account # XXXX Account name : XXXX XXXX XXXX XXXX  Account # XXXX  Account name : XXXX XXXX XXXX XXXX  Account # XXXX  Account name : XXXX XXXX XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX XXXX  Account # XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I submitted a dispute to Equifax. It is now XX/XX/2021 and the investigation has not been completed. This investigation has taken longer than 30 days.
Complaint sub-issue: Debt is not yours

In XX/XX/2017 i sent XXXX XXXX XXXX a letter staying that I was not responsible for a XXXX acct with a balance of XXXX. I received a statement and ending balance for this XXXX acct but they failed to provide a contract with my signature showing that the acct belonged to me and removed the debt from all credit bureaus. I see that they have added this acct back to the credit bureaus with no warning and explanation. They have continually failed to provide a signed contract with my name on it and I am requesting that the acct be removed entirely.
Complaint sub-issue: Didn't receive notice of right to dispute

I have noticed AFNI, Inc, and told them to CEASE and DESIST and I've demanded information from them as well as demand that they delete this account from my credit file.

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with AFNI, INC or anyone they claim to represent. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Complaint sub-issue: Was not notified of investigation status or results

I mailed a letter to the credit bureaus on XX/XX/2020 and I have not received a response from them. I'm hoping CFPB can help me with getting a response from them. it has been more than 30 days and i understand there is delay in receiving mail due to Covid19. But this is so crazy. The inaccurate information on my report is hurting my credit. i'm reaching out to you for help. If they are unable to complete their investigation within the required time or if they find the items can not be verified the items must be removed from my report.
Complaint sub-issue: Reinserted previously deleted info

Today XXXX/XXXX/XXXX Equifax changed XXXX XXXX from status in bankruptcy to open collection unpaid with amount due. I called XXXX XXXX twice today. I called Equifax once today. XXXX XXXX assures me in their system it says in bankruptcy and says Equifax did this. Equifax says they did not. Someone did and it is not me. The balance should be XXXX like all my other creditors that were on my credit whom are now gone. XXXX is the only one whom does n't have to follow the laws? How can you drop a score for an item that was already on there because either Equifax or XXXX wants to play games with me? Equifax tried to tell me on the phone this was not part of bankruptcy. Yes it is. Attached you will find the mailing of the bankruptcy court showing XXXX on the list. Look at this case. Even though mine is Chapter XXXX the Stay still applies! 
XXXX XXXX Vs XXXX XXXX XXXX XXXX District NC ( my district ). 
" Finding that reporting delinquencies during the pendency of bankruptcy is not misleading so long as the creditor reports that the account was discharged through bankruptcy and the outstanding balance is XXXX '' XXXX v. XXXX XXXX. XXXX, XXXX, Case No. XXXX XXXX XXXX XXXX. XX/XX/XXXX ) the status quo between the parties was frozen by operation of the automatic stay. Id. ( citing XXXX v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ). 
All other creditors followed the law. The status should be in bankruptcy as it was and amount XXXX. This change from out of bankruptcy to collection dropped my score XXXX points and it needs to be corrected. 
Please find attached the bankruptcy mailing showing XXXX XXXX has notice of this bankruptcy. I am really tired of Equifax playing with my credit score when it is clear it is not my fault.Thank you, XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

Hello, I made a {$800.00} ACH withdrawal from my KIKOFF checking account to mXXXX XXXX XXXX XXXX  checking account on XXXX It stated initially that the transfer would take up to 5 business days. On XX/XX/, I receive an email from KIKOFF stating they have been having issues and delays with ACH transfer requests. I immediately emailed customer support to receive an update on this issue.On XX/XX/, I call customer support, who informs me that the transfer has been canceled. I ask where my funds are and I do no receive an answer. I am told I would receive an email in 1 business day. On XXXX, I do not receive an email as told, so I call again. They again state the transfer was cancelled and that they will follow up with email. I asked numerous times to be transferred to a supervisor and the customer rep says there is no supervisor. On XXXX, I receive an email stating Thank you for getting back to me. Upon review, I can see that the {$800.00} is available now on your secured card. We are terribly sorry that this event occurred and are diligently working with our partner processor to understand the root cause. In the meantime, we are prioritizing processing the delayed ACH transfers. However, the money is still not in my account. I call customer service who again says that the transfer was canceled. After asking numerous times again to be transferred, I am transferred to an automatic message that states there is no supervisor available and the phone call ends. I call again, this time finally transferred to a supervisor who does not know anything about the situation, and says that the email I received is false. They still have no idea where my money is, and after asking them to credit my account while they investigate, they refuse.