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

Equifax states that I have a collections account in the amount of {$580.00} with XXXX XXXX. This debt was paid in full in XXXX of XXXX and was removed from XXXX, but not Equifax. I contacted Equifax on XX/XX/XXXX to dispute the account still reflected on my account and it still was not removed. They gave me a confirmation number of XXXX. I received a " dispute completed '' email on XX/XX/XXXX but the account still remained as a derogatory mark. I reached out to the collection company onXX/XX/XXXX ( Collections Unlimited ) to obtain a receipt that the debt had been paid in full, even though it had been reported as paid. Equifax still would not remove the account given the documentation provided.
Complaint sub-issue: Personal information incorrect

I received a notification of a reported address change from my identity theft service on XX/XX/XXXX, stating the Equifax had changed my current address to a residence in XXXX, XXXX XXXX. That address is for a home I sold in XXXX and have not lived at since. I currently live in XXXX, XXXX. I immediately filed an online dispute with Equifax on XX/XX/XXXX, and provided my renters insurance declarations page and my electric bill which showed my current address. The confirmation number with Equifax for that dispute is XXXX. I received a response back the same day from Equifax wherein they incorrectly confirmed I live in XXXX XXXX. I filed a second online dispute of the address Equifax shows as my current address on XX/XX/XXXX. The confirmation number with Equifax for the second dispute is XXXX. In that filing, I included copies of my XXXX  driver 's license, my most recent electric bill for my XXXX apartment, the first page of the lease for my XXXX  apartment, the registration certificate for my car in XXXX state, my auto insurance card foXXXX XXXX, and an email from Equifax promoting auto insurance in the state of Washington, wherein Equifax effectively confirmed that they know I live in XXXX. I received the results of my dispute from Equifax about nine hours later on XX/XX/XXXX, wherein they again confirmed I live in XXXX XXXX which is not correct.
Complaint sub-issue: Debt is not yours

IQ Data International at XXXX XXXX XXXX XXXX, WA XXXX has been sending me collection notices in the amount of {$2200.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Was not notified of investigation status or results

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( A ), I have sent letters to XXXX, XXXX and Equifax. XXXX and XXXX have sent letters back but the incorrect information was not fixed at all. Equifax has not responded at all and its been more that 30 days its been 90 days and it is still negative incorrect information on my credit report. This is beyond ridiculous and unacceptable! They continue to report harmful stuff on me and violating my rights. Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update the following items that are harming my credit : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

On Thursday XX/XX/XXXX, we attempted to purchase our pet 's food from the veterinarian using my husband 's debit card. It was declined. We knew we had plenty of money in the bank and was upset at this issue. Prior to this transaction, the night before, we had done a little bit of gaming online with an online casino, which online casino playing had become legal in XXXX of 2019. When we questioned the bank why the debit card was declined we were first informed that it was due to a problem purchasing a movie on XXXX for XXXX XXXX that we wanted to watch and that we should call the bank 's fraud department. We called the bank 's fraud department and they stated they had no idea why the card was declined because there was no notes in the system. When we spoke to the branch that we opened the account in, the person stated the branch manager at the other location had shut it off but again no notes were given. When we questioned the branch manager she said that they had the right to shut the card off due to online gambling. When reading the bank 's rules on gaming, it stated that only if it was illegal, which it is not in PA anymore. The bank manager was acting like a parent and stated " We were warned not to use the debit card for online gaming ''. She alone shut the debit card off to the point we had to order a new debit card because there was no way to turn the card back on. I feel this is an injustice to consumers. The branch manager clearly had power issues that went to her head. If the fraud department didn't catch this or find it a problem, then where did the branch manager have the right to do this? It was as if she was just waiting and watching to see if we would play online again and the next day took great pleasure in shutting my husband 's debit card off leaving him without a means to purchase fuel and necessities while working as a XXXX  XXXX Sure, he could use my debit card, but where does that leave me also when without one for daily needs? Needless to say, we are shutting our accounts at this bank because if the branch manager can have all this power and dictate how consumers can use their hard earned money, then why use this bank? I certainly do not want to be dictated to in how to manage our money.
Complaint sub-issue: Didn't receive notice of right to dispute

Flagship Credit started recently started reporting a collection account on my credit report. Prior to this account appearing on my credit report, I never received a notice of my right to dispute this account. By failing to provide the notice of right to dispute, prior to reporting this account on my credit report, Flagship Credit has violated my rights under the Fair Debt Collection Practices Act.
Complaint sub-issue: Problem getting my free annual report

For the past 4 years, I have had problems getting through the Equifax security questions. I CORRECTLY answer the questions - all answers are None-of-the-Above - and I am rejected and directed to apply by mail. The last time I did this, they LOST my report, either on their end or the US mail, and had to resend it so I will never resort to this method again. I never have this problem with either XXXX or XXXX.
Complaint sub-issue: Debt is not yours

I previously asked this collection agency to send me validation of this alleged debt pursuant to the FDCPA, instead I received a vague receipt with none of the information I requested. I sent another letter on XX/XX/2022 and I still have not received any response. I have attached the letter to my complaint.
Complaint sub-issue: Information is not mine

I have repeatedly made attempts to submit a dispute online and by calling Equifax. None of these attempts have resulted in the inaccurate information being deleted. Equifax seemingly requires customers to obtain a current " Equifax '' credit report from them in order to process a disputed item. This is ludacris. XXXX XXXX monitors my credit rating and made me aware of the inaccuracy. XXXX and XXXX have both deleted the inaccurate reporting but still no success with Equifax. I have obtained a police report through the XXXX Police Dept. documenting the violation in case I am unfortunately harmed by this negative credit item.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2020, I noticed two fraudulent charges on my checking account. I called PNC Bank in XXXX, PA and filed a complaint. I also called the company, XXXX XXXX, who couldn't even tell me what it was that I supposedly bought from them as I had not received anything at all nor had I ordered anything. Yesterday, XX/XX/2020, a representative that said she was with the fraud office, I was being given a XXXX XXXX for the whole amount of {$130.00}. After the investigation by PNC Bank, they found that in addition to the two {$39.00} on the XXXX of XXXX, PNC had found another three transactions dating back to XXXX of 2020, which was a total of {$52.00}. Instead of giving me the entire amount of {$130.00}, I was only given {$52.00}, which is still short leaving my account in the negative since the XXXX of XXXX. PNCs said they could only give me the first three and I would have to wait up to 90 days for the remainder of {$79.00}. 

My compliant is that the two charges of {$39.00} on XX/XX/2020, should have been paid as a Provisional amount first as it should not have gone through as it was charged on an account that was closed.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed the XXXX credit report I had ordered on XX/XX/XXXX and I saw an entry from XXXX/XXXX. I contacted XXXX   on XX/XX/XXXX, XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received a response from them XX/XX/XXXX. It basically was their normal response. The information on this item has been updated. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter.

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If Equifax has deleted it and I sent you information, then it is XXXX XXXX obligation to maintain accuracy. 

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; Undaunted by this I tried once again. I asked for the same information from the other two bureaus ( XXXX & Equifax ). XXXX nor Equifax didnt provide it. As I believe all of them are still using XXXX to verify when that has been ruled not to be verification. I also wrote XXXX/XXXX on XX/XX/XXXX and they never responded as well. With no response to me how is it that this is still verified. What were they getting that I wasnt that XXXX  refused to share with me the information that was in my credit file showing where they did a full credit investigation as I requested by law. 

All this correspondence I will be including for you as well. I am including the letter I had asking them to remove that as well.
Complaint sub-issue: Old information reappears or never goes away

Hello, I disputed a collections account that was reported by LJ ROSS to my credit report. The disputed was via XXXX on XX/XX/XXXX. My dispute resulted in the account being removed from my credit file. This same account was reported to XXXX on XX/XX/XXXX. I have had issues with this agencies before. I have a paper trail for the disputes and reporting dates. I never paid them any money. But, the account says paid now? Why would a debt collection agency, attempt to collect a debt and when no payment was issued, change it to paid?
Complaint sub-issue: Information belongs to someone else

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I wrote a letter to all the CRA 's : XXXX, Equifax, and XXXX on XX/XX/XXXX and they have failed to get back in response to the letter. The account XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$9800.00} referenced above that is being listed on my credit report by XXXX XXXX XXXX This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Also, the are in violation 15 USC 1681s-2 for failing input a notice of dispute that this account was being disputing.

Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts.

This is deceptive, fraud, false and misleading and many other things. Please, we have to hold this CRA 's accountable because they are taking advantage us as consumer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Per the direction of the Equifax I contacted the companies that made inquiries. The companies do not have record of the inquiries. I demanded by letters that Equifax remove the inquires according to FCRA. No written correspondence reply. I have called repeatedly.
Complaint sub-issue: Account status incorrect

Just saw an incorrect open account from XX/XX/2020 from XXXX XXXX XXXX XXXX list with a collection agency called XXXX XXXX that I have no knowledge of. And, did not open any account with a communication company on XX/XX/2020. 

In addition, never received a disclosure in accordance with Federal Truth in billing or credit reporting act as a matter of law.

Please have it remove now in good faith and follow FTC guidelines.
Complaint sub-issue: Frequent or repeated calls

I have been harassed by a large number of repeated phone calls which I have not answered. After researching the phone number that kept calling, I believe it is the company Firstmark services looking for collection because I am only 12 days late on my payment. I have not answered them because I feel that due to the harassing nature of the contact attempts, I can safely assume that they are using harassing tactics in all facets of their debt collection. They have called me over 30 times since XX/XX/XXXX, only two days  ago. I will attach screenshots of the missed calls.
Complaint sub-issue: Information is missing that should be on the report

I opened a line of credit with XXXX on XX/XX/2022, which is NOT reporting to the credit bureaus, why?
Complaint sub-issue: Information belongs to someone else

I am upset to know that unauthorized false reports are affecting my credit score and current employment status. I am worried and frustrated to be a victim of fraud and would like this resolved as soon as possible so that I can go back to my normal life! I did not consent nor approve any of these companies and would like them removed immediately!
Complaint sub-issue: Public record

The credit angency of Equifax refuses to remove a Louisiana tax lien incorrectly placed on my credit report filed XXXX incorrectly by the state of Louisiana for a buisness i never owned or operated located at XXXX XXXX XXXX XXXX, XXXX XXXX, La XXXX named XXXX. Any state or Federal tax filings have shown i have never owned or operated any type of business ever, i have spoken with the state numerous times concerning this matter which was handled by a La, department of revenue agent named XXXX XXXX direct telephone # ( XXXX ) who to me numerous times also stated that should not be on my credit file and has sent request to equifax to remove it more than XXXX.This has been going on for quite some time. The record filed at XXXX District Court case number XXXX has been nullified for quite some time. I dont know why Equifax insist upon putting me thru the unfair practice of not removing this lien off of my report for years now as well XXXX unauthorized credit inquiries, i understand that Equifax is a giant corp. that makes a profit off reporting credit info on consumers but this is so unfair to me for them to not do whats right and remove the information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have these items that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX/EQUITY PRIME MORTG Account Number : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX XXXX/XXXX Account Number : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX/XXXX XXXX Account Number : XX/XX/2020 This is not mine.
Complaint sub-issue: Transaction was not authorized

UN-AUTHORIZED MONTHLY DEBITS BY XXXX XXXX/MERCH FEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) AKA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CHARITABLE ORGANIZATION, STARTING XX/XX/XXXX THRU XX/XX/XXXX. XX/XX/XXXX{$64.00}, XX/XX/XXXX {$64.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00} TOTAL {$780.00}. XXXX XXXX XXXX, WENT TO REPUBLIC BANK - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. , XXXX XXXX, FL XXXX & SPOKE WITH XXXX XXXX, SALES & SERVICE REP AND FILED A STOP PAYMENT ON XX/XX/XXXX COST {$30.00}. REQUESTED INFORMATION RE : FRAUD REPORT, APROXIMATELY XX/XX/XXXX MET WITH XXXX XXXX, CUSTOMER SERVICE MANAGER TO FILE A FRAUD REPORT. ON XX/XX/XXXX RECEIVED MESSAGE FROM THE ABOVE PERSON INDICATION THAT WE HAD FILED TO LATE. BANK POLICY WAS THAT A REPORT NEED TO BE FILED WITHIN 24 HOURS OF THE EVENT. THE BANK REMAINED UN CO-OPERATIVE. ON TUESDAY XX/XX/XXXX FILED A FRAUD REPORT WITH THE CITY OF XXXX XXXX POLICE DEPARTMENT. POLICE DEPARTMENT TOOK ALL INFORMATION AND REQUESTED THE NAMES OF THE UN IDENTIFIED UNAUTHORIZED USERM, AS A LAST RESORT THE XXXX XXXX XXXX VISITED THE XXXX  XXXX REGIONAL SALES DIRECTOR XXXX XXXX AT XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX ON XX/XX/XXXX. XXXX XXXX TOOK ALL INFORMATION AND SAID THAT HE WOULD LOOK INTO IT. AS OF THIS DATE ( XX/XX/XXXX ) WE HAVE NOT RECEIVED ANY CORRESPONDENCE FROM ANY OF THE ABOVE INDIVIDUALS
Complaint sub-issue: Account information incorrect

My credit reports with the three major credit bureaus contain accounts that should not be listed according to the wording and intent of 42 USC 407, which reads : 407. Assignment of benefits ( a ) In general The right of any person to any future payment under this subchapter shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this subchapter shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. 
( b ) Amendment of section No other provision of law, enacted before, on, or after April 20, 1983, may be construed to limit, supersede, or otherwise modify the provisions of this section except to the extent that it does so by express reference to this section. 
( c ) Withholding of taxes Nothing in this section shall be construed to prohibit withholding taxes from any benefit under this subchapter, if such withholding is done pursuant to a request made in accordance with section 3402 ( p ) ( 1 ) of the Internal Revenue Code of 1986 by the person entitled to such benefit or such persons representative payee. 
( Aug. 14, 1935, ch. 531, title II, 207, 49 Stat. 624 ; Aug. 10, 1939, ch. 666, title II, 201, 53 Stat. 1362, 1372 ; Pub. L. 9821, title III, 335 ( a ), Apr. 20, 1983, 97 Stat. 130 ; Pub. L. 105277, div. J, title IV, 4005 ( a ), Oct. 21, 1998, 112 Stat. 2681911. ) None of my accounts pertains to section C, withholding of taxes. Therefore, everything derogatory about my credit that is reported by any agency other than various student loan lenders should be removed, as they are expressly not " assignable, at law or in equity '' and may not " be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. '' These creditors include : JEFFERSON CAPITAL SYSTEM FOR {$3900.00} XXXX XXXX FOR {$540.00} XXXX XXXX  FOR {$100.00}, {$88.00}, {$81.00} AND {$65.00} XXXX XXXX  FOR {$1000.00} XXXX XXXX XXXX FOR {$3100.00} XXXX/XXXX XXXX FOR {$1000.00} Also, ALL of my federal student loans have been dismissed by a XXXX and XXXX XXXX  ( XXXX ) waiver, bu several still show as actively unpaid, including one last reported XX/XX/2019 for {$3900.00} ; one last reported XX/XX/2019 for {$26000.00} and one last reported XX/XX/2019 for {$270.00}. The others correctly reflect the XX/XX/XXXX. 

Finally, one last reported by XXXX XXXX XXXX on XX/XX/2019 for {$5000.00} has been on appeal in various court 's since before it was first reported, the most current being the New Mexico Supreme Court, Case No. XX/XX/3569, which is in abeyance pending the decision of another appellant 's similar appeal. As my case has been and remains on appeal, this entry should be deleted entirely.
Complaint sub-issue: Banking errors

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has filed false charges with the XXXX police department, XXXX XXXX XXXX, of XXXX XXXX failed to route my Cashier checks through the Federal Reserve. XXXX XXXX XXXX has failed to honor my Substitute Check Rights. Included with this filling is a copy of the substitute check the XXXX XXXX XXXX, failed to disclose.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous accounts 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 XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

I told this collector that I was XXXX and did not have income beyond LTD. They keep calling, including 20+ straight times in a row on multiple occasions. I've had to block there number just to keep my sanity.