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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

I made a deposit to my account on XX/XX/XXXX at a pnc atm for {$7500.00}. I then received a notice that the deposit was being held because the check appeared altered. I did not write on nor alter the check, I was told that I was attempting fraud on the account and that's why it was being held until XX/XX/XXXX. I checked my account on XX/XX/XXXX to see if the funds were in fact released, I was then transferred to XXXX in the loss avoidance department who proceeded to tell me that the hold was on the funds until XX/XX/XXXX. I asked her if it was customary to hold a check for 6 weeks, to which she told me yes, if the check appears to be fraud. I stated that she is accusing me of fraud. She also stated that if I had a problem with the check I should reach out to my bank. I advised her that PNC is my bank and I am reaching out to you. She then hung up the phone on me. I have called in to the customer service department several times regarding this check, I was told by one loss avoidance associate that if I provided the number to verify the check that it would be cleared. I did that and was told the number was unacceptable. The check is from a lawsuit that I was a party in. The settlement claims administrator can be contacted at XXXX XXXX XXXX, XXXX XXXX. I understand a reasonable hold but to be accused of fraud and to then have an item placed on hold for over 6 weeks seems to be punishment for being a PNC customer, on top of being disrespected by being hung up on. Also, if I am being accused of altering the original check why wasn't the original requested to be sent from the branch to loss avoidance so that it could be seen in person. I have also deposited a separate check from the settlement drawn from the same bank which PNC cleared. I have not received a separate letter for the 6 week hold. I requested my check be returned to me and was told that it could not be returned.
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern : I submitted two dispute letters certified mail acting in good faith, showing delivered on XX/XX/XXXX, and the other on XX/XX/XXXX. I am disputing four derogatory remarks on my credit report that are inaccurate, fraudulent, invalidated, unverifiable and accounts that were open and compromised due to Identity Theft. I was a victim of Identity Theft in XXXX and XXXX. I sent XXXX  and Equifax a validation of debt letter, police report and I also requested how did they verify any debt belongs to me. Not only did they fail to provide to me how they validated the debt. They also failed to provide me how they verified the debt. It's been over 45 days with no results. I reached out directly to all of the CREDITORS involved in the dispute regarding these accounts and they have all failed to validate or verify any debt as accurate and failed to provide me with proof of my signature. Please explain to me how can you validate any debt when the creditor has failed to validate any debt? Not only did XXXX  and Equifax and the Creditors break many laws, they are reporting inaccurate information and not living up to its rightful duty to report accurate information and serve the consumer justly. Please DELETE and remove these accounts from my credit report immediately. This is frustrating and you are giving me a hard time and breaking laws and subject to Civil liability. Im acting in good faith once again. Ive attached all the supporting documents : FTC Report, Police Report, Receipts of letters, Receipts of letters delivered successfully. See below accounts in dispute XXXX XXXX Account Number : XXXX This account is inaccurate. The Debt does not belong to me. I do not validate this debt. Update the report to positive/current or delete from my credit report. 

XXXX XXXX Account Number : XXXX I do not validate this debt. This account does not belong to me, delete this account. 

XXXX XXXX Account Number : XXXX This account is inaccurate, unverifiable, missing information, incorrect balance and compromised due to identity theft. I do not validate this debt. Remove from my credit report. 

XXXX Account Number : XXXX This account is inaccurate and a fraudulent account. This account does not belong to me. I do not validate this debt. Please delete from my credit report.
Complaint sub-issue: Debt is not mine

a company ENHANCED RECOVERY CO L is reporting a Balance {$1900.00} I have NO CONTRACT with this company and or services
Complaint sub-issue: Debt was result of identity theft

I was contacted by Pro-collect in XX/XX/2019 regarding a {$910.00} debt for XXXX XXXX in Texas. I am a victim of identity theft. I have filed a police report and I have provided a copy of my police report, identification, my mortgage statement, and my power bill. I forwarded this information to Pro-collect to prove that this debt does not belong to me. I have requested copy of the identification that was provided to XXXX XXXX and a copy of the lease and/or application to compare my signature. This information has not been provided to me. There is no identification on file, no drivers license, no passport, no ss card, and the lease was signed electronically, so no signature. Pro-collect is aware of this and still will not delete this account. This debt does not belong to me. I am a Georgia resident and I have NEVER lived in Texas. I did not give anyone permission to use my information for any reason. I need this collection debt removed. 

I am attaching a copy of the police report, an identity theft report/affidavit from the federal trade commission, proof of utilities via XXXX XXXX  and XXXX XXXX, and a copy of my mortgage statement.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c furnish a account without my written instructions.

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

Equifax refuses to remove an unauthorized account from my consumer report. They refuse to follow the fair credit reporting act. My rights are continually violated. Pursuant to 15 usc 1681i, they have not conducted a proper investigation. Instead, they allow the fraudulent creditor to make the decision of whether they want to delete the fraudulent account or keep reporting. 15 usc 1681i states that the credit reporting agency is required to conduct an investigation with consideration to the information I provide, and make an impartial decision. Equifax is not acting fairly towards me nor are they protecting my privacy.

Equifax is reporting two different credit scores as on XX/XX/2022. They are reporting a XXXX as well as a XXXX. This is a violation of the Fair Credit Reporting Act. Equifax recently lost a lawsuit for this same practice and continue to violate consumers with this illegal practice. Equifax is also allowing an unauthorized creditor to report two accounts with the same information, on to my credit report. This is another violation against my consumer rights. Equifax obtained no permissible purpose for these unauthorized accounts, and are allowing companies to pay them and cause harm to me and with no regards for my life or future.
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc 1681 XXXX XXXX # XXXX 15 u.s.c 1681 section 602 a.States I have the 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 15 u.s.c 1681c ( a ) ( s ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report 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 gas reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report because its holding me back from getting approved for a car .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these issue on : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information is not mine

I disputed XXXX XXXX XXXX hard inquiries on my credit report. I received a letter stating that they would investigate and keep me informed of the status within 30 days. I received no updates. These inquires were from XXXX and XXXX. I have called Equifax on a few separate occasions and have been told there is nothing they can do to help me. I called XXXX XXXX and they promised to send a letter requesting the fraudulent inquiries be removed from my report. Still nothing has happened. There should only be XXXX hard inquiry on my Equifax report that is actually mine. There are now XXXX, which puts my status in the POOR area. Equifax refuses to remove the fraudulent inquiries. Do I have to bring a lawsuit against them in order to get them to remove the fraudulent inquiries?????
Complaint sub-issue: Information is missing that should be on the report

There is a negative collection record on my Equifax credit report. I have paid this off some time ago, but it still is on my report, plus the information on the credit report now for it is almost nonexistent : Account Name XXXX Original Creditor ( None provided )?? 
Open Date XX/XX/XXXX Balance ( None provided )?? 
Debt ( None provided )?? 
Contact Information ( None provided )?? 

The lack of information is causing problems with my credit report for buying a home. I need this removed from my Equifax credit report. I have contacted Equifax several times and they said they unable to remove because of the unavailable information, or they say they will research it and they do nothing. I have contacted them several time from XX/XX/XXXX to XX/XX/XXXX.
Complaint sub-issue: Problem accessing account

i have verified all appropriate means with my account number social and debit card number but the bank has frozen my account and states i need to go to a branch to verify my identity i am currently sheltering in place in XXXX due to conrona virus and cant visit a us branch i need access to my funds as this is my only source of money
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX. ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Other problem

PNC bank XXXX XXXX Credit Card. My account was cut off due to XXXX mo of inactivity. They sent out XXXX letter that likely looked like junk mail and was thrown away. I am a XXXX year customer and lost my credit history when my card was cut off. I asked them to reinstate it but was told it is impossible. I am shocked they are allowed to punish customers who do not have debt and keep a credit card for emergencies. One letter is not sufficient notice that your card with be canceled.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Account information incorrect

I started disputing inaccurate info on my credit report an I ask credit bureaus to delete any inaccurate info on my report an it was not legally deleted instead after each dispute my reports came back as verified and accurate. I want to know how could the be when the accounts I am referring to are charged off accounts that is reporting a balance, that a clear violation of the FCRA. I also sent an FTC report to prove the account wasn't mine an yet the XXXX bureaus still state that the account are accurate but still reporting inaccurate info to my reports. 


Company or Organization : XXXX XXXX Account Number : XXXX amount- {$270.00} Company or Organization : XXXX XXXX Account Number : XXXX amount- {$150.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is in violation of the Fair Credit Reporting Act and they are damaging me daily. I have requested that Equifax ensure maximum possible accuracy of the information they compile in my consumer file and report about me in consumer reports. I have been disputing the same information that is not 100 % accurate since XX/XX/XXXX. When Equifax refused to delete the incorrect and incomplete information in my consumer file, I sent follow up dispute letters demanding deletion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Because Equifax refused to delete information that I provided proof of inaccuracy, I sent evidence from the California XXXX of XXXX showing that companies did not exist in my state. I also requested a 609 full disclosure on my entire consumer file in writing since it appears that Equifax has information that I am not privy to that refutes my disputes. Equifax can not possibly validate and verify any information they are refusing to delete being that the alleged creditors do not exist. I have no recourse against any of the listed creditors as they do not have registered agents for me to serve legal process in California. Is Equifax conspiring against me with entities that are elusive to me? It appears that Equifax has some vested interest in continuing to damage me. 

Equifax has refused to send me the 609 full disclosure of my entire consumer file in writing within 15 days. I sent it to Equifax 's registered agent in California, so they can not say that they did not receive it. 

I demand deletion of the information listed below.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that XXXX bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not verified and do not ever verify debts with the credit bureau. So, if this is XXXX  case, how did the credit bureau edify that the information reporting on my file is 100 % accurate. They never did a fair investigation according to the 15U.S.C 1681. 

15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It has been more than 30 days and I did not receive any response. Also, I did not notice any investigation made because there are no changes in my report.
Complaint sub-issue: Don't agree with fees charged

i am being charged an extra XXXX dollars on my student loans that Nelnet nor the XXXX will assist with finding out why. Loans were consolidated and put as additional loans on my account and i did not consolidate. Both companies have stated that they have no record of an application being completed for the consolidation. i have a print of of my loans and they add up to an estimated XXXX plus interest of XXXX would equal XXXX but my loan account is showing XXXX no answers have been given and nothing has ben done between both entities. Please assist with this matter. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

The account showing on my report with all 3 credit co., is XXXX XXXX XXXX acting as a debt collector, the last payment was XX/XX/2014 that makes it over 7 years old, called all 3 companies and they have refused to remove the item, this is my right to have anything more than 7 years old to be deleted from the report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022, I ordered a TV from XXXX website. The TV came out defective and a replacement was requested which would take about XXXX weeks to arrive. A week after the replacement was approved, I went on the XXXX website and realized I can order the same TV for a cheaper price that would arrive before the approved replacement. I canceled the replacement and placed a brand new order and I returned the original defective TV to XXXX. a XXXX party company, pilot delivers, picked up the defective TV on XX/XX/2022 and it was delivered to XXXX facility on XX/XX/2022 and it was signed by XXXX XXXX Since then, amazon has not issued my refund and they claim according to their records the tv was never returned. I opened a dispute with my Discover credit card company, which after XXXX  months came out on XXXX 's favor. Before opening a dispute, I have tried to resolve the issue with XXXX but they would hang up the phone every single time after telling me they do not have their TV. The full order number is XXXX placed on XX/XX/XXXX, XXXX the website to track the returned TV is pilotdelivers.com and the shipment number is XXXX and the zipcode is XXXX. I have tried to get this issue resolved with XXXX throughout the months and I have called at least XXXX times in regards to this issue and every time their resolutions department hung up the phone without helping me. After going back and forth between discover credit card and XXXX in regards to this issue, both parties advice me to contact the other party to resolve my issue. XXXX states that disbute has been closed and refund has been issued to my credit card, and my Discover credit card states that dispute has been closed and the purchase is authorized therefore the temporary credit was charged back on my account.
Complaint sub-issue: Problem with personal statement of dispute

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

After reviewing my credit report from EQUIFAX, I have noticed that the report shows 3 fraudulent credit inquires that I did not authorize.

1. ) XXXX XXXX 2. ) XXXX XXXX 3. ) XXXX XXXX VISA CC Please investigate and remove these inquiries as quickly as possible.

I have included with this complaint copies of all required documentation.

Identity Theft Report, Letter to Equifax, Drivers License, Social Security Card, Proof of Residence, Equifax Credit Report, and FCRA 605B
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX is a fraud account that was supposedly fixed after I filed a police report and affidavit ( attached here ). Now CKS Prime is reporting it as a collection on my credit.