Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is the only Consumer Reporting Agency still reporting an inaccurate account on my consumer report. Account XXXX XXXX XXXX is an inaccurate account. XXXX XXXX XXXX, XXXX has failed to validate this account with the oringal contract with my signature. I have know knowledge of this debt, and I have no legal binding contract with XXXX XXXX XXXX, XXXX. XXXX  and XXXX  removed the account but Equifax has yet to remove this account which is a violation of the FCRA. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding Equifax continued willful and negligent noncompliance. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Equifax first investigation and subsequent reinvestigation, Equifax stated in writing that theyverified that this item is being reported correctly? Who verified these accounts? Equifax have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 611 ( a ) ( 1 ) ( A ). Furthermore Equifax have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified.
Complaint sub-issue: Didn't receive services that were advertised

I am filing this complaint against XXXX. They have several credit inquires listed, negative accounts, and open accounts with balances that do n't belong to me. I have filed a police report in regards to this issue and I have filed complaints through each bureau. They have yet to remove these items from my report. I will file a lawsuit against them if these following items that are fraudulent are n't removed from my report immediately. 
Name of Account : Account Number : XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Account number unknown Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account information incorrect

I Have Freezes On My Credit Report And So Many Different types of people And Places Looking Up My Credit Reports And Every Time I Applie For Any Type Of Credit Whether It Be Credit For A Car A Credit Card A Mortgage Its Got So Bad That I Can't Even Request Some Of My Own Credit Reports And To Of My Reports Say I Don't Have A SSN And The Other One Says I'm Dead I'm And It Makes No sense Because I'm Pretty Sure My Phone Calls Are Be Redirect I Can't Be Identified And When They Do Pull Up My Reports I'm Pretty Sure I'm Be discriminated against Because It Says On One Of My Reports That I Requested A Summary Be Put Up About Me That I Have A XXXX So Now The Cards That I Did Have Got Close By Grantor I Have Been Trying To Get A Home But There Pulling My Reports And Saying It Cant Be Optain I Feel Like I Stuck In A War Zone I Can't Get A Single Soul To Help Me When I Know Its So Much I'm Entitled To But I'm Tired Of This I'm A XXXX Year Old Man  Living With My Mom With No Car No money no Credit And No One 's Even Giving Me A Chance. Not Even The SSI Payments I Been Waiting A Year To Get The And The Judge That I Have A Civil Suit With Have Not One Time Set A Court Date The Case Is Just Sitting When My Human Rights Was Violated Its Got To The Point I Honestly Feel Like I Have Not A Hand To Be Giving No Matter How Many Phone Calls I Make How Much Time I Spend Trying To Do Everything the right Way This Life Thing Is Seriously Just Getting Harder And Harder With No Help Because I'm A Individual Nobody
Complaint sub-issue: Information belongs to someone else

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

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent the letter regarding an accurate and unknown things on my credit report. To this day over 32 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove those items From my credit report it has been over 32 days and counting so they should be deleted promptly. I demand these accounts be delete it immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Didn't receive enough information to verify debt

Ive made multiple attempts to contact this company, which is ProCollect, to get this inaccurate issue resolved. I have been reaching out to them almost 2 years now. When I call, they will not allow me to speak to the person that has the account which is XXXX XXXX. When I did speak with XXXX XXXX 
XXXX, he was intimidating and verbally abusive to me when I tried to explain that the balance was incorrect. When I asked him to verify the debt, he refused to do so. He stated that he had already done so. And I need to just pay my bills. I explained to him once again that the balance was incorrect and I needed to resolve it quickly to acquire credit. I even offered to pay a portion of it so that it could be removed. 
I told him that the balance was incorrect and its keeping me and my children from getting housing. As a result, my children and I are unable to find adequate housing right before the holidays. We are being denied only because of this. 
I told him that I wanted to dispute this item and Only pay what I owed.He refused to do so. He has refused to properly acknowledge this account and he has blatantly ignored my requests and phone calls and emails. This incorrect account is causing me to not be able to acquire housing and is causing me XXXX XXXX XXXX. Please help me resolve this issue immediately.
Complaint sub-issue: Information belongs to someone else

There are 4 accounts on my credit report that do not belong to me they are not mine I have not applied or used these accounts as well as many inquiries I need these off my credit ASAP1!!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : US SM BUS ADMIN ODA Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Complaint sub-issue: Problem with personal statement of dispute

Filed a dispute with Equifax they claimed to have done a investigation and found that company XXXX XXXX has complied with all FCRA requirements. 

Asked Equifax and XXXX XXXX  for method of verification which I have yet to receive. 

Both companies have sent letters stating they will not reply to my request and no longer investigate. 

My rights as a consumer have been dismissed. This is against the law. I have a right to a thorough investigation.
Complaint sub-issue: Debt is not yours

I nevered set up this account. Not sure who setup the account in my name ; but I was no longer living at the address because I was going through a divorce and moved out.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I called PNC to inform them that the account they have reporting to my credit report was opened fraudulently. I spoke with someone named XXXX and she gave me an address to send my police report and FTC affidavit. I did so the next day but haven't heard back. I am attaching it here because I need this issue resolved and the account removed from my credit reports immediately because it is both fraudulent and affecting my credit.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. I am a victim of identity theft.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Billing problem

Simple. Apparently, US Bank has realized I am tired of receiving demands for {$0.00} for the current month when in reality I am nearly three ( 3 ) fully months ahead on my payments. My solution is really quite easy, and apparently, I maybe correct that those in processing have no idea what those in charge of the Fraud Department are thinking or doing, respectfully said of course. Because my most recent payment coupons are now labeled correspondence instead of indirect lending. 

So, I scanned and maintain a payment coupon in my index, and I adjust it accordingly because US Bank consistently and continually fails to issue a current ( again I am no less than two ( 2 ) months ahead so currently my ) payment coupons this payment is for XX/XX/2023, but what I get from that bank is for XXXX and a {$0.00} demand. Moreover, my Credit report is delinquent of facts necessary for anyone to fairly assess my creditworthiness. This is apparently a system wide problem as it happens to me in every banking debt I have. 

I bet if I was in default, they'd surely have that information readily available, which I may begin to elect to do so as to get the matters in for judicial review on the lenders dime as I possess each and every checking & banking statement for the past six years along with eft 's and all other information including handwritten ledgers. I contend this is a violation of the Uniform Commerical Code and may well be ripe for Jury Review and full unfettered ownership of that RV because of the prejudicial and dilatory actions of the creditors, same is currently under review.
Complaint sub-issue: Problem with product or service terms changing

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Complaint sub-issue: Billing dispute for services

Update for OBM  XXXX   XXXX  I initiated a meeting with  XXXX  from  XXXX    XXXX   XXXX   months ago, to settle this matter out of court. She said fine she would call with a date and time. Since then, I called  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  at  XXXX    XXXX   asking for a payoff amount. On  XXXX   XXXX ,  2017  my vehicle was repossessed. without warrant. I 'm pretty positive  XXXX  had something to so with this.  XXXX  told me we would settle this issue and I was n't making anymore payments till then. I have never been late since my contract started! I have always paid on time, and they ruined my driveway, tore up the entire right side of my yard. Now, I still have n't closed on the property and it 's in Underwriting.   Her neglect has impacted my well-being. The   XXXX   in unbearable, affecting my health issues. They took my vehicle to the Auction the same day. I also asked  XXXX  who her  Superior was and she refused to tell me, stating she did n't have one.
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. XXXX  has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Debt is not yours

I received a collection notice for the astronomical amount of {$3200.00} in insurance case where I was the victim from XXXX XXXX insurance and ANFI. I have filed a complaint with the state insurance office who regulates XXXX XXXX insurance and have a bill from XXXX XXXX and the car company thats says I owe XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX in which they say i owe {$540.00}, and Account # XXXX in which they say i owe {$1700.00} 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: Funds not handled or disbursed as instructed

I opened a Savings Account with Citibank on the XX/XX/XXXX. I went through all of the normal setup steps and chose to immediately fund my account with the required {$500.00} minimum balance needed to avoid the associated fees. 

The next day I checked my XXXX XXXX account to make sure that the funding had been successful and found an ACH debit to my account for {$40000.00}. Obviously an error as I don't have that sort of money. I immediately called XXXX and put a stop to the transaction as it was thankfully still in a pending state. 

From here the issue was mostly resolved by my actions but the mishandling was not explained so I went looking for answers. 

I called XXXX 1800 number at XXXX on the XX/XX/XXXX,  2020. After being 'blind ' transferred at least five times, meaning that I had to explain my issue every. single. time. to a new person I was finally speaking with someone who I believed could explain how this could have happened. 

This woman proceeded to tell me that the issue was not caused by Citibank as the new account funding department prints out a physical check and that all she was able to see and that it had been correctly filled out. I asked her how this problem could have been caused and she was simply adamant that it wasn't Citibank and that she felt that I wasn't 'lying ' and that I was 'seeing what I was seeing '. I offered to give her the transaction information from my XXXX account so that we could track the transaction and find where it had been changed from {$500.00} to {$40000.00} and was told that she did not have that ability and could not use the information. Ultimately, she threatened to hang up on me instead of attempting to find a cause for this massive mistake that I was looking for an explanation for. Her final solution to her problem of me was to again 'blind ' transfer me to a department that I was told could process another transaction for me to properly fund my new account. They could not do so and had no information as to why I was speaking with them because she had not explained the situation to them. I gave up at that point for the day. 

I called again on the XX/XX/XXXX and spoke with a XXXX who hung up on me after I asked to speak with the legal/complaint department and a XXXX who provided me with XXXX number where I was unable to get a hold of an actual human being and that did not lead me to a complaint or legal department that could handle my issue or answer my question. 

At this point I have been unable to find out how this mistake could have been made and am left with a new account that I am unable to fund without setting up a new transfer someway else, but I am not sure how. 

I would like an explanation for what happened, assurances that this issue of a MASSIVE {$40000.00} typo has been resolved and that however the mistake happened it will not happen to me, or anyone else again. I would also like to have my account correctly funded with the information that I have already provided and no more legwork on my part.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX HAVE SENT NUMEROUS OF LETTER TO ALL THREE BUREAUS WHO REFUSE TO CONDUCT A PROPER INVESTGATION TO THESE NEGATIVE & INNACURATE ACCOUNTS REPORTING ON MY CREDIT. THEY WILL COMPLETE THE INVESTIGATION IN 2-3 DAYS SAYING VERIFIED WITH NO PROOF OF HOW THESE ACCOUNTS WERE VERIFIED. XXXX  HAS SENT ME NUMEROUS OF LETTER INDICATING THAT THEY WILL NO LONGER COMPLETE AN INVESITAGTION BUT WILL REFUSE TO EXPLAIN HOW THEY VERIFIED THESE ACCOUNT.