Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX, I mailed a registered letter to Equifax Credit Information Services, XXXX, GA, demanding verification of the 2 Bankruptcies that were posted on my credit report. One was from XX/XX/XXXX, ( Bk case # XXXX, which was dismissed, and the other was from XXXX ( Bk case # XXXX ) which shows as filed. Equifax signed for the registered letter on XX/XX/XXXX. ( Both the original letter and the verification of signature are enclosed. ) I challenged the accuracy and compliance of these listings. I asked for validation from the US Bankruptcy Court, XXXX, PA, where they showed these originated from, with copies of the documentation bearing my signature.

Earlier, in a letter I had sent to the US Bankruptcy Court in XXXX, PA, I asked for the method that they use for validation/verification to the reporting agencies. In their reply letter, they verified that they report nothing to these reporting agencies. ( I have enclosed copies of the original letter sent to the court and their reply letter. ) Equifax responded back that they had to verify this with a 3rd party, called XXXX. This is totally against the guidelines set up in the FCRA. They show the Bankruptcy Court in XXXX as the reporting agency. ( Reply letter from Equifax is enclosed. ) Under the new settlement, titled NCAP, effective XX/XX/XXXX, any public record data on the records reported by the credit reporting agencies, must include name and address as well as SSN or DOB in order for it to appear in your credit file. The postings in my file on these reported bankruptcies, do not. Also, Equifax can not verify the Bankruptcies with the court, as reported, because the court doesn't share information with credit reporting agencies, as stated earlier. 
Equifax has not updated the information and per the new agreed settlement under the NCAP, the bankruptcies listed do not include this information and should be deleted from my credit file. 
In addition, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer  contract - any and all accounts they post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account information. 
This incident highlights how these agencies, like Equifax, will gather any type of inaccurate information on virtually anyone. They even went so far as to post a supposed bankruptcy, dating back to XXXX, ( Bk number XXXX ) that had been dismissed! It is common knowledge that any case, whether it be civil or otherwise, once dismissed, no longer exists in the eyes of the law. This case filed, may never have actually been adjudicated. Equifax has no right to maintain information which the government has deemed non-existent. 
Considering this does not require an investigation, I would appreciate an updated copy of my credit report showing no bankruptcies within two weeks from the date you receive this letter. This incident needs to be resolved immediately.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

XX/XX/2022 @ approximately XXXX received a notification that my bank account was overdrawn and a hold was placed on my personal bank account in excess of {$3200.00}. Called bank to inquire and advised that I needed to speak to the banks legal team. Upon talking with the banks legal department they advised a judgment was placed against me and they have a court order to place a hold on my account. They provided me with a name and number for the attorney, along with a court case number. I was unable to reach anyone at the phone number provided and was never notified of the pending court case. Michael J Adams XXXX represented XXXX in the amount of {$3200.00}. I am not sure of the accuracy of this information and haven't had an account with this merchant. This information was provided solely by my banking establishment and no contact was made with a live person at the attorney 's office upon calling at XXXX on XX/XX/2022.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed a XXXX account ending in XXXX on several occasions with Equifax, XXXX, and XXXX. Ranging from 2017 up until recently. The account is charged off and the creditor is no longer actively attempting to collect the debt. I recently emailed the Ceo of XXXX to receive confirmation that they are indeed no longer attempting to collect the debt due to the fact that the statute of limitations has expired. Also the company stated that it is the credit bureaus responsibility to remove the delinquent account. Equifax, XXXX, and XXXX are not in compliance with the FCRA and are still reporting XXXX on my credit report
Complaint sub-issue: Fees charged for closing account

I tried multiple times both on online chat and telephone calls with customer service, they still keep the account open and send me statement of fees. 

Account number is : XXXX
Complaint sub-issue: Debt is not mine

I have not owed XXXX XXXX XXXX for any XXXX XXXX, but credit collector has continually harassing me and placed a debt of {$100.00} on my account after I have even told them have been cleared by XXXX It happened that I received an order of a cable modem from XXXX XXXX XXXX which was not ordered for by me, I only make phone inquiry about the service alone but the person I spoke with send to my address the modem through XXXX and immediately I saw this, I called XXXX and they asked me to send it back the next working day through the same courier and after 2 days I called again and it was confirmed received by them. And they told me severally that am cleared but credit collector keeps disturbing me on this and I have referred them time without number to seek clarification from XXXX XXXX XXXX but they did not. It unfortunate that this is still coming out on my credit report. Am frustrated and am developing XXXX XXXX with the way they disturb and the manner by which this appear on my credit information. I am seeking for a redress. I will appreciate if this can be settled. Am just tired of what XXXX XXXX XXXX is doing to me. 

I can be contacted for further clarification of this matter. 
Thanks
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX claiming to be a representative for US banks fraud department called and actually called from US Bank frauds number and asked if I had a charge out of state I said no they proceeded to take me through XXXX supposedly to give me back my money but instead they took it out of my account. XXXX and then XXXX and then XXXX. XXXX was taken out of my savings account when what I thought they were doing was getting my money back as they stated. They did this using XXXX which I had never used before.I sent in the proper requirements so they can investigate and refund my money. They sent a letter stating that they were not going to refund my money. My local bank manager again sent them a letter stating this is fraudulent and please investigate again they again sent me a letter saying they will not be refunding my money back. My problem is someone called representing US Bank and the number they are calling from is US banks fraud dept phone number. XXXX is part of us banks company. I have looked into this and I am not the only one this is happened to .There are four different banks using XXXX and this has happened to customers using these banks by going through XXXX XXXX I hope this can be resolved thank you for the time it takes to read this.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, I called this company and was the I owe monies to an insurance company, and to fax proof to them that I did not own vehicle in question. I was in a car accident and had no car and no car insurance and for the vehicle they were claiming I had. I asked to have the negative mark removed from my credit report I was told I had to provide my personal information such as SS # and address.
Complaint sub-issue: Funds not received from closed account

I bought some money orders that I no longer needed. I mobile deposited them into my Citi checking account a week after I purchased them. Citi put my account on hold for XXXX business days to make sure the money orders cleared. I called back on the XXXX business day and they said they were closing my account and would not tell me why. They said that they funds from the money orders had cleared and posted to my account. I also called XXXX XXXX to track the money orders and all of them said they had been cashed in the days that I deposited them into my account. So I dont understand why my account is closed and I they wont give me access to my funds. I called a Citi bank branch and they said there was nothing they can do.
Complaint sub-issue: Didn't receive notice of right to dispute

I never received any notification about this alleged debt from Vance and Huffman  and was not provided with any documentation to validate it. I disputed this debt with XXXX and it was removed from my credit report. It was re-entered on my report 30 days later without any prior notification from XXXX.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my FTC report, Identity Theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Complaint sub-issue: Problem getting your free annual credit report

A few months ago, I attempted to obtain my annual free credit report from Equifax. They advised me that I was unable to receive it because they required evidence of my identity. I provided that information to them, by mail ( as instructed ), 1.5 years ago and 2 years prior to that. Today ( XX/XX/17 ), I completed a preapproval application with XXXX. They advised me that they could not extend any offer to me because they were " Unable to verify my Social Security Number ''. I immediately contacted them. The agent inquired if I had any other creditors. I explained that I did. She advised that I contact Equifax ( whom they used to access my credit record ) because they showed no SSN for me. I have credit monitoring accounts with XXXX and XXXX. Equifax seems to be the only agency that refuses me ( or any other creditors I seek out ) access to my records. I am extremely concerned because of the recent breach in security with this agency. Why were my records never updated when I 've provided them proper documentation twice? Maybe this is how our information was so easily accessed because many " balls seem to be dropped ''.
Complaint sub-issue: Problem with rewards from credit card

I signed up for Citi AAdvantage card, and was promised a promotional bonus of XXXX XXXX XXXX miles, on spending {$3000.00}. 

I wanted to confirm that Citibank has correctly issued these bonus miles. 

The reason for me asking for this confirmation is that XXXX XXXX is alleging that the bonus miles were not issued correctly and have therefore suspended my account. So I wanted to make sure that everything was correctly issued from Citibank 's side? 

Thank you.
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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt was paid

I requested verification of the debt, and was not given it within 30 days. This debt is not mine, and I do not owe it.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive disputed these items as errors and they all came back as valid or not enough information submitted. Specifically XXXX/XXXX XXXX # XXXX is charged off and is on my credit report. XXXX XXXX # XXXX is the collection company it was sold too and they as well are reporting the same account on my credit report, against federal laws. XXXX XXXX XXXX are garnishing my wages for this same care credit account, but no updates of payments are reflective on my credit report. Also XXXX XXXX/ XXXX # XXXX ( charge off ) and XXXX XXXX XXXX ( collection agency ) are reporting the same account on my credit report too. Account # for XXXX XXXX XXXX are all different from n my reports but same account : Equifax # XXXX, XXXX # XXXX and XXXX # is 2003 but all are the same account being reported..
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized credit Inquiries listed on XXXX credit report. 
No one hady permission to pull credit Inquiries. 
Multiple times credit inquires on XXXX Please remove them XXXX  refuses to remove them.
Complaint sub-issue: Can't use card to make purchases

Macys credit card sent me a letter to pay I did them they wrote me two emails stating I have a credit card balance refund and that they processed it on XXXX XXXX and on XXXX XXXX and they still have not mailed it I know by law they have to mail me my money in the mail within 7 days of making my request
Complaint sub-issue: Old information reappears or never goes away

Keep reported closed refinanced accounts as negative accounts they are outdated and should no longer be reported as per the fair crediting act. I have contacted them several times and they tell me they will look into it and do nothing.
Complaint sub-issue: Didn't receive notice of right to dispute

I received an alert that my credit scores dropped. When I viewed my credit, I discovered an account from Vance & Huffman LLC. I have lived at my current address for more than 10 years and i have never received a collection notice or a phone call from this company. They have placed an unknown debt on my credit and i am in the middle of financing. I have also sent them a letter via registered mail over 60 days ago and I have not heard back from them.

I am requesting the unverifiable/unknown entry be deleted from my credit report. I also have a police report on file with the bureaus for false impersonation- but I thought all of that has been cleared up.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theftXXXXXXXX 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: Can't use card to make purchases

Complaint US BANK SECTION 1 : US BANK claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. 

I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I put US BANK on notice. 

I gave US BANK an OPPORTUNITY TO CURE. 

I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. 

I do not owe a debt and the ALL CAPITAL LETTERS name/DEBTOR, aka the legal fiction STRAWMAN, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as an open-ended Letter of Credit and therefore collateral to off-set and balance any alleged debt initiated by the alleged DEBTOR account, which is a TRUST account, aka the XXXXXXXX XXXX XXXX XXXX XXXX aka the XXXX XXXX XXXX XXXX making I the ORIGINAL CREDITOR of any transaction that took place. US BANK never gave, or offered, due interest to the Living Man, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the 2 signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ).

SECTION 2 : US BANK has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : 1. US BANK admit that I am the original creditor and source of the credit being utilized. 

XXXX. US BANK leave account XXXX XXXXXXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ). 

XXXX. US BANK reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). 

XXXX. US BANK pay for all fees and fines associated with this matter. 

XXXX. US BANK pays me {>= $1,000,000} in damages. 

XXXX. US BANK is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 2 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 3 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Equifax EQ # 1 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # 3 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # 5 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX XXXX # 1 XX/XX/XXXX sent, response recieved, XXXX XX/XX/XXXX, no changes XXXX # 2 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 5 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Once you have seen and read the multiple attempts utilized by me to correct the problems please hold credit bureau in question accountable for their willful disregard for the legal law I have afforded to me under my rights as to have negatives items deleted from my credit report. 

The credit bureau in question is also quite adept at responding to my multiple attempts to have them remove negatives on my report with answers to questions I have not asked them, while not addressing the issue I state in my multiple dispute letters. again Please Please don't allow them to get away with these deceptive ploys and misdirections. 

I as a consumer don't have the legal power and authority that you have. Again in closing please simply see read my attached documents for best description of my complants with credit bureau in question. Thank you.
Complaint sub-issue: Account status incorrect

I received a call from ProCollect on XX/XX/2022, wherein they asked me to pay them money but refused to provide me any details regarding the debt. ProCollect stated they had been sending collection letters to me at the request of XXXX since XX/XX/2022. I requested the address they were sending the collection letters to and it was not the forwarding address provided to XXXX XX/XX/2022, when I provided XXXX notice I was moving as a result of constructive eviction as a result of their violations of Texas XXXX XXXX XXXX and XXXX. I then sent an email to ProCollect ( XXXX ) as XXXX XXXX stated requesting the amount of the alleged debt ; full name and mailing address of the original creditor for the alleged debt ; documentation showing you have verified that I am responsible for the alleged debt or a copy of any judgment ; and documentation showing you are licensed to collect debts in Texas. To date, I have not received any of this information. I also provided them with my attorneys contact information and she has not received anything either. I had my credit report pulled recently and was astonished to see this was on all 3 reports. I have disputed it with all 3 bureaus however they are not requiring the collector to follow the Fair Debt Collection laws. I have provided the bureaus with all documentation and requests prior to the constructive eviction and after. Again, to date, I nor my attorney have received any documentation from ProCollect regarding this alleged debt as request more than 4 months ago!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Bank 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