Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

The company did not give me time to responds to their response on complaint number XXXX before they closed the complaint because they know that they are lying. The company state account XXXX was identified, and the account was validated and sent documents from investigation for provider on XXXX and consumer sent correspondence that was received on XXXX account will not be removed from reporting. I would like to know who was identified and who receive the corresponding letter, I am asking this company to provide signature proof that this account belongs to me, and now they lying saying it was identified on XX/XX/2020, and which I never receive any response from this company, the hospital they put, I called they said they don't know anything about that. I need signature proof. Don't come lie and act like you guys contacted me and it was identify as me please send me the signature of the person who identified this, or my next step is suing this company since they can not provide any proof. I never went to that hospital and for as long as I can remember I always have insurance. And That make me mad cause they are lying. And as a XXXX I would not have disputed an items many times if it was mine, I seriously don't like liars. Cause I for XXXX not XXXX. I spent many years not checking my credit and not knowing what has been going on. Now I'm checking everyday. Amerifinancial just want to ruin me, and I like to know why please, cause no one in the right mind will dispute a debts as many time I did if it belongs to them. This debt not mine.
Complaint sub-issue: Frequent or repeated calls

They call me repeatedly from this number several times a day. I think it's XXXX 's but I don't have a XXXX 's account
Complaint sub-issue: Investigation took too long

On XX/XX/2017 XXXX received a Letter for dispute via Certified Mail. 
XXXX, as of today, I have not received an answer from Exquifax from them regard my dispute. I requesting Proof of verification from the following Illinois Federal Court Bankruptcy # XXXX-Unverified Account XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late payment. 
I am requesting this information be Permanently Deleted due to untimely respond from Equifax and Inaccurate reporting of verification.
Complaint sub-issue: Information belongs to someone else

MY NAME IS XXXX XXXX AND I'M A VICTIM OF IDENTITY THEFT AND I'VE BEEN TRYING TO GET MY CREDIT FILE CORRECTED DUE TO THIS UNFORTUNATE SITUATION. I'M NOT HAVING ANY LUCK WHEN I SUBMIT MY INFORMATION DIRECTLY TO THE CREDIT BUREAUS.
Complaint sub-issue: Debt was result of identity theft

On XXXX XXXX there was a collection placed on my account for the Amount of {$920.00} from XXXX XXXX I have made several phone calls to get this disputed. I reached out to them and told them this account was closed and sent multiple letters they stated they never received them in XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX Date of inquiry XX/XX/2020
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted disputes as well as an FTC report for this fraudulent account. 

- XXXX XXXX ( listed on XXXX, XXXX, and Equifax )
Complaint sub-issue: Reporting company used your report improperly

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX account 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Complaint sub-issue: Information belongs to someone else

A XXXX CREDIT ( ACCT XXXX ) ACCOUNT THAT BELONGED TO MY FORMER XXXX WHICH I WAS A AUTHORIZED USER IS LISTED ON MY CREDIT FILE.I DISPUTED WITH ALL THREE CREDIT BUREAUS.XXXX AND XXXX  DELETED THE ABOVE MENTIONED ACCOUNT, EQUIFAX REFUSED STATING THE ACCOUNT BELONGED TO ME.THIS CLEARLY IS NOT THE CASE.
Complaint sub-issue: Public record information inaccurate

TO BOTH EQUIFAX AND XXXX I HAVE BEEN DISPUTING THIS ISSUE WITH BOTH EQUIFAX AND XXXX SINCE 2020 ... YOU ARE NOT A CREDIT BUREAU. You are buying and selling information which is against my individual right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction NO further verification or investigation is required you broke multiple laws and i'm not going to take time out of my day to continuously repeat myself... YOU THE CFPB ( Consumer financial protection bureau ) needs to hold these agencies accountable Both EQUIFAX AND XXXX XXXX NOW. I will bring litigation in regards to this matter are it is very clear laws are being broken. 

DELETE THE FOLLOWING PUBLIC RECORD : XXXX  XXXX BANKRUPTCY - XXXX XXXX XXXX BANKRUPTCY - EQUIFAX these are clearly inaccurate and i've already previously disputed numerous times and have came back as verified by the BOTH of you. 

15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction or consent furthermore DELETE THE FOLLOWING EQUIFAX & 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: Having problems with customer service

I was notified on 2-14 that Fedloan Servicing reported my account 90 days past due. I had contacted them on 2-3 to put a forbearance on my account. I contacted them again after 2-14 and the lady who helped me showed that I had a forbearance on my account that went from XX/XX/XXXX to XX/XX/XXXX. She said she was placing a dispute on the account but nothing has yet to be updated.
Complaint sub-issue: Application denied

I am tired of my bank declining all my credit card application for the same reason they refuse to approve me I dont appreciate this
Complaint sub-issue: Attempted to collect wrong amount

I have made more than 20 inquiries and complaints regarding my account with Citi to the XXXX XXXX XXXX, their company 's customer service numbers and chat feature via their app. I have been told false information and wasted my money to pay towards this debt in order to be placed in the hardship program, which their representatives refused to place me in even after I did what was said to be required of me. 

Since the covid 19 pandemic my income was drastically reduced, every single one of the companies I have credit cards with worked with me with the exception of theirs.

They have been mostly unreachable via their customer service number for months, long hold times and repeated hang ups.

Over the course of 7 months I have made countless inquiries to citi and was given false information causing my debt to increase in size with excessive fees, despite my attempts to resolve this matter with their customer service department. I was even told on numerous occasions to call back, when I explained if I called back at a later date I would incur another fee, something their representatives should be aware of. Instead of helping me to prevent this, they encouraged more time to pass so more fees would be placed upon my account. 

Even before this pandemic hit when I made a phone payment in XX/XX/2019 their customer service representative directly they told me the wrong amount due and proceeded to charge me a late fee for the following month. This was fault of their customer service and not my own. I have my phone and bank records to prove this.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed an inaccurate debt that is not mine on 4 different occassions with XXXX for $ XXXX.I have neverdonr any business with the company that XXXX is representing.
Complaint sub-issue: Information is missing that should be on the report

I have contacted them they so nothing..they suppressed my credit report for numerous years when I filed bankruptcy XXXX XXXX..which they got paid what I was behind they also did a modification that added everything I had paid to the back of the loan pushing my date many years in a 30 year mortgage ... I pay them they are not reporting I show no mortgage on my credit report They also added all my late fees to XXXX 's payment since I have been complaining to them over the last few months ..they never do that..they are horrible ..I have had my mortgage since XXXX..it was sold to XXXX XXXX XXXX their sister company..it 's not with XXXX XXXX ... .nothing but stress and years of them taking advantage of me..
Complaint sub-issue: Information belongs to someone else

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX
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.

1. Account Name : XXXX XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$760.00} / Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$580.00} / Date Opened : XX/XX/XXXX 3. Account Name : XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$1100.00} / Date Opened : XX/XX/XXXX 4. Account Name : XXXX XXXX / Account # : XXXX / Account Type : Revolving / Balance : {$0.00} / Date Opened : XX/XX/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 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: Was not notified of investigation status or results

I did receive responses to my complaint # XXXX from Equifax, that is why I am duplicating my initial complaint. 

Good morning, I have started seeing that my credit report right now is full of hard inquiries which have not been by me, moreover, I have not been living in United States for 5 years, i dont know who is using my information but i would like to delete hard inquiries and one collection account which does not belong to me 1 ) XXXX XXXX Reported : XXXX XXXX, XXXX, $ XXXX Closed 2 ) XXXX XXXX XXXX  XXXX XXXXInquiry : XXXX XXXX, XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX-Inquiry : XXXX XXXX, XXXX 4 ) XXXX XXXX - XXXX -Inquiry : XXXX XXXX, XXXX 5 ) XXXX XXXX XXXX XXXX-Inquiry : XXXX. XXXX, XXXX 6 ) XXXX XXXX - D-Inquiry : XXXX. XXXX, XXXX 7 ) XXXX XXXX XXXX-Inquiry : XXXX. XXXX, XXXX 8 ) XXXX XXXX, XXXX-Inquiry : XXXX. XXXX, XXXX 9 ) XXXX XXXX- Inquiry : XX/XX/XXXX 10 ) XXXX XXXX- Inquiry : XXXX. XXXX, XXXX 11 ) XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX 12 ) XXXX- Inquiry : XXXX. XXXX, XXXX 13 ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 14 ) XXXX- Inquiry : XXXX XXXX, XXXX 15 ) XXXX XXXX XXXX XXXX- Inquiry : XXXX XXXX, XXXX
Complaint sub-issue: Can't close your account

We were legal cosigners with our adult daughter at US Bank. She had XXXX   XXXX XXXX and XXXX  XXXX XX/XX/XXXX. In person we visited the bank with the death certificate and all information they required to close all accounts. Once the accounts were closed and settled we transferred the remaining funds into a trust for the beneficiary. 

Our daughter is still receiving emails and letters from US Bank   regarding her accounts. 

XX/XX/XXXX : an email survey was sent to her, they want to know how they're doing. I responded to the survey, which was from XXXX XXXX XXXX on behalf of US Bank. They responded back to me they will pass the information to US Bank. 

XX/XX/XXXX : email sent to advise her about the updated XXXX alerts and to confirm the correct email associated with the account. 

XX/XX/XXXX : email received " are you missing out? '' presumably to promote services. 

XX/XX/XXXX : letter received regarding account terms, late payment fees, airline/travel service fee changes. 

XX/XX/XXXX : letter sent advising Visa card attached to account has been cancelled because of non-use.
Complaint sub-issue: Can't close your account

I have called PNC at least 10 times about closing my account and each time they come up with a reason for why I can't. I do not live in their service area, I can't transfer money easily. They said I should try downloading XXXX and transferring the money to myself. They say I have " pending transactions ''. I've asked them to freeze the account to prevent pending transactions - they've refused. Why do they keep letting transactions go through?? And they're for stupid amounts of money : XXXX  dollar, XXXX dollars, XXXX  dollars. 

Another time they wouldn't let me cancel my account because my address was incorrect, which they said would take 10 business days to change. 

They're not able to help me freeze the account, they're not able to help me close it. 

This last time they suggested I dispute the pending charges because they should not have gone on this account ( XXXX is debiting them even though I've removed them from XXXX 's system ). BUT this would mean I can't close the account for another 4 weeks!!!!! 

PLEASE HELP ME CLOSE MY ACCOUNT!!! All I do is pay overdraft fees and they won't refund them or help me close my account
Complaint sub-issue: Investigation took more than 30 days

I feel that this accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall this account. I need this problem fixed ASAP! I will not wait another 50 days to receive no response because clearly you are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. Section 611 ( a ) is plainly stating that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. 
I am very stressed about this and it effects me daily. PLEASE HELP ME AND DELETE THE FOLLOWING ACCOUNT FROM MY REPORT XXXXXXXX XXXX XXXX - ACCOUNT # XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act : XXXX XXXX account # XXXX XXXX  XXXX Account # XXXX XXXX account # XXXX XXXX XXXX Account # XXXX Has validate 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 consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I have been having a issue with this credit bureau for the past 2 weeks and not AUTHORIZED someone had fraudulently obtained my credit report and it is some hard inquiries on my account that i was told i can dispute if it is unauthorized. These XXXX refused to dispute these charges and im livid. I don't have this problem with the other credit bureaus Tbesides EQUIFAX AND IM FED UP ABOUT THIS. The other credit bureaus disputed this with no issues. But Equifax is giving me a hard time.
Complaint sub-issue: Their investigation did not fix an error on your report

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the letter I sent out and the tracking numbers are listed in the added evidence According to the FRCA 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 is acquainted or who may have knowledge concerning any such items of information.Im not sure if the bureaus XXXX Equifax or XXXX have their own interpretation of the law but there are standard operating procedures used to verify information and it wasnt properly done because as you can see there are still many inconsistencies within my report see attached documents for highlighted items. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report Listed in the attached documentation lists violations and items that need to be deleted because they are reporting inaccurate across all three bureaus.
Complaint sub-issue: Debt is not yours

A debt collection agency contacted me regarding a back internet bill from a previous tenant that was not me. The equipment was left in the unit. So I took it to ups and dropped it off for them after they contacted me. I didnt need to do this. But I went out of my way to do so. This collection agency has continued to contact me saying I owe money but I dont, they also say they have no record of the equipment being returned. 

The ironic thing is. I have a current internet service with the same company that apparently claimed the debt. So none of this makes sense. Its not my debt. Ive told them XXXX times its not, and they still continue to call me daily. They also just put a negative remark on my credit report. For {$59.00}. This is insanity.
Complaint sub-issue: Information belongs to someone else

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : XXXX XXXX OPENED : XX/XX/2017 XXXX. XXXX
Complaint sub-issue: Other problem getting your report or credit score

Received the usual XXXX  letter from Equifax requiring more information BEFORE they could fix my account. How pitiful these souls are. The have my unique last 4 SS ID, My Name, TC, ETC, ETC on th actual complaint form which they themselves have been able to use as have other Credit reporting Agencies. Opinion a ruse to discard doing anything in a timely manner or pathetic incapable staff! and still want me to sent proof. Well let me ask you this- supposed I stole that ID. They do not know who the XXXX I am. With the internet ripe with fraud and scams all our information if blatantly available to anyone. Now sadly this so called Consumer Protection agency will send me an email saying this is a duplicate BUT they never consider they never repair the problem to begin with. Yes how blatantly fraudulent are these people bordering in my opinion total arrogance.
Complaint sub-issue: Reporting company used your report improperly

My credit information was compromised by Equifax they confirmed this through their website : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This was made public yesterday XX/XX/2017
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I believe that my information has been taken from me in theft. There is a place called XXXX XXXX XXXX on my credit report. Not allowing me to get a place to live, says I owe {$2200.00}. The date XX/XX/2016. I have never lived there. Trying to take this off my report is crazy. I have mailed out a letter to Equifax and try to dispute on XXXX. XXXX  said it was sent. Some how it's still showing on my report. How do I get this off?