Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Used obscene, profane, or other abusive language

This is a reopen for case # XXXX. 

My initial complaint said : YOUR COMPLAINT XXXX XXXX hired The Bureaus Inc, to collection on a debt that I allegedly owe for {$1100.00}. At this time the Bureaus, Inc and I have been unable to come up with an agreement on the account. Respectfully, the Bureaus, Inc has hired XXXX XXXX XXXX XXXX to collect the amount allegedly owed. 1- On XXXX/XXXX/XXXX, I have offered to settle this account with XXXX XXXX XXXX for $ XXXX XXXX XXXX XXXX declined to accept my offer 2- XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and XXXX XXXX @ ext XXXX 3- Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX, advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transactions is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 6- the Manager of XXXX XXXX then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}. I wish for XXXX XXXX to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of XXXX to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX. 

XXXX XXXX XXXX failed to answer the complaint but responded as : Company responded on XXXX/XXXX/XXXX Response Type Closed with explanation Company 's Response Dear XXXX XXXX : I am in receipt of your correspondence to XXXX XXXX XXXX XXXX XXXX concerning the XXXX  XXXX XXXX account that was placed with us for collection. We are more than willing to work with you to resolve this matter. We have been given approval to settle this account for {$630.00}, payable in a lump sum or with a structured repayment plan. If you agree to the terms, we can certainly provide you an agreement and you can mail in your payment ( s ) using your personal bill payment from your financial institution. If you have any additional questions or concerns you can certainly reach out to us directly and we can assist you. You can reach me directly at XXXX EXT XXXX. Thank you for the opportunity to respond.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

EQUIFAX credit bureau, continues to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of XXXX due to my now ex-husbands failed business, we filed joint bankruptcy. Since bankruptcy as an individual is not an option when you are married, I had to file as well. 

In XXXX of XXXX, while in the middle of getting a divorce, I petitioned the court to be removed from the bankruptcy. I was granted a Voluntary Dismissal from the CASE in XXXX of XXXX, so that he could proceed on his own. While applying for a mortgage in XXXX, it was brought to my attention that a Bankruptcy XXXX was reflected on my credit. HE asked to have the CASE dismissed in XXXX. The order from the judge usages the language of *his* case and *him* only. 

A dismissed party means that the I am not a part of the bankruptcy case and should not be affected by anything that happens in the case after I was dismissed from it. I called and spoke to the judges chambers, XX/XX/XXXX, and my understanding is correct. I was dismissed from the case, and therefore the case dismissal itself should not be affecting me. 

I have disputed this several times, reporting that there are multiple errors. It comes back verified as accurate every time. It in fact is not and has no less than XXXX errors.
Complaint sub-issue: Deposits and withdrawals

My daughter sent me {$200.00} sent through XXXX messenger. The bank received the payment reflected when I called the bank information line. At time of receipt I was overdrawn {$1.00}. And change. Leaving my available cash {$190.00}. And change. I went to the ATM and withdrew {$60.00}. Upon calling my bank I realized that I was now overdrawn XXXX. I called my banks help line only to find there is now no record at all of the {$200.00} transfer. I was told by the first representative that they use their discretion whether or not to give you the money at the ATM. When speaking to her manager he stated not true only if funds are available will you receive money at the ATM. But still no record of the money. I explained # 1 only if money was available would money be given at ATM. # 2 only  if money recorded would money be available. # 3 Mony should have simultaneously been given at ATM and taken out of account. So at very least {$60.00} and fee should be shown. This bank has held checks for more than 10 days trying to lead you to believe you have more funds available. They have taken money for a payment and placed it back into my account trying once again to make me believe I have more funds available than I think. My sister who also banks with them can verify this. She purchased XXXX tickets for XXXX day which were taken out of her bank. When she called the info line a few days later it was showing back in her funds. I have been with this bank for several years and they made me sign a new contract with them because my old contract gave me many perks. I have been through several years of the preceding but never had my money stolen right from within the bank. They received the money made it available which is proven by the ATM withdrawal and there records have nothing about the deposit at all. I had-1. And change and now have - XXXX. And change along with charges daily. I appreciate any help you can provide. PNC Banks
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following credit inquiries are not authorized by me and In Accordance with the FCRA section 611 for inquiries this companies violated my consumer right. 
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: Was not notified of investigation status or results

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the XXXX XXXXXXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Complaint sub-issue: Debt was result of identity theft

ProCollect has allow someone outside of me to get an apartment in my name. I have reported the matter to the property authorities and submitted information to FTC and to the creditor as of today this matter has continued to damage my credit. The resident was occupied 2018. Procollect has updated this collection on a regular basis with no resolution.
Complaint sub-issue: Was not notified of investigation status or results

I have attached the document that reflects an inaccurate amount that is placed under my name. This clearly states that you have violated the abovementioned rules and I would like for you to act on it by deleting this account that you have inaccurately tagged under me.
Complaint sub-issue: Reporting company used your report improperly

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Complaint sub-issue: Frequent or repeated calls

Get robo called from the debt collector every week.
Complaint sub-issue: Frequent or repeated calls

I would like Zuntafi, which appears to be a student loan service provider, to stop contacting me. It seems that they are using an internet white page directory of people with similar names and are arbitrarily calling phone numbers of the corresponding similar names at random. I do not know anyone of any of the many names they asked me if I was, and I dont know how to get them to stop calling me. Its really creepy. I have no student loans or any other debt for that matters.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX, and XXXX XXXX, in light of Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents via my disputes, Therefore according to the above statue any and all un verifiable accounts should be deleted promptly and immediately after 30 days. And it's been over 6 months now.
Complaint sub-issue: Debt was result of identity theft

I have previously told this company that the debt in the amount of {$130.00} is not mine and stems from fraudulently using my personal information. The company acknowledged my claim in the past but for some reason decided to once again place this amount of {$130.00} in my credit file/report at the credit bureaus. I have never had an account or did any type of business with XXXX XXXX. I have contacted Enhanced Recovery Company to inform it that this debt is not mine, however the company refused to pay me any attention or try to help me in this situation. Additionally, this company claims that I opened this account in XX/XX/2019. Not only is there inaccurate information, but this company directly contributes to the act of identity theft that was commuted against me by placing this debt in my credits file/report at the credit bureaus. It seems as though the company re-added this debt to my credit file/report in a sneaky manner and out of the blue, thinking that I would not notice.
Complaint sub-issue: Reporting company used your report improperly

It was announced XX/XX/XXXX that there was unauthorized access to data controlled by Equifax from mid XX/XX/XXXX through XX/XX/XXXX. Rather than contact people individually and personally, we found out via a press release, and had to verify our identity through their own site to find out if we were affected. I checked today ( XX/XX/XXXX ), and I 'm on the list of potential victims, where my SSN, license number, addresses, and birthday are compromised. That 's more than enough information to allow someone to open new lines of credit in my name, or otherwise compromise my financial standing. The company 's resolution to this is to enroll with their TrustedID partner for protection and monitoring, but the service only lasts for one year. My information can be used for significantly longer than a year, however, as my social security number can not be easily changed without identity theft having occurred, changing my name would be silly, my birthday ca n't be changed, and my addresses are impractical to change. This service is not free after the first year, and we also can not enroll immediately- we 're assigned a day that we can enroll, and mine is n't until the XX/XX/XXXX. We 're also given information on freezing our credit reports, but that 's not free unless you 're already a victim of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi and how are you doing? Although I appreciate XXXX XXXX getting back to me in regards to my previous dispute for a negative item or charge-off account reporting, but their investigation did not resolve my underlying issue. It's impossible that you verified this account because it continues to report the same errors, inconsistencies, with multiple inaccuracies, and different dates of last active and different dates of last payment. You mentioned that you sold my account back in XX/XX/2016 to a XXXX XXXX XXXX - a debt buyer, but no way on my account is showed that it was sold or transferred to them. I believe under the fcra guidelines if the account was sold/transferred it needs to show on my credit report so I can resolve it directly with them. You failed to conduct a reasonable and truthful investigation because it continues to report the same errors and violations as before i disputed.
Complaint sub-issue: Their investigation did not fix an error on your report

This XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} is not charge off to me. My record shows that this account was Paid as agreed and Balance is 0. Please correct this account immediately.
Complaint sub-issue: Account terms

I have paid on my mortgage for XXXX years and they do not have it on my report I have contacted both Equifax and XXXX mortgage. Equifax says it has neverbeen reported. XXXX sent my a letter stating that it HAS been reportedevery month for the last XXXX years. the other XXXX credit agencies show itcorrectly. also Equifax has me with XXXX late payments, they are showing payments that were included in a bankruptcy.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Procollect Inc 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 ststes a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit payment plan as late for and purpose.
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX I contacted N26 regarding a fraudulent charge to my account. I was told 10 days to resolve. Today is the 12th business day, and all I keep getting is the run around. Ive been told 13 days, 18 days.. and that theres no way to contact a dispute department. How is there no way for them to contact an internal department to provide me ( the customer ) with more information? Each new representative tells a different story. Ive even been told new procedures went into effect and at this point, someone needs to intervene.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX, and XXXX have failed to removed several inquiries that I did not authorize. I have sent letters to each bureau detailing that the information is not accurate. The companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX  claims that they are indeed accurate. I never authorized anyone to pull my credit to address mortrgages. 

According to the Fair Credit Reporting Act, they are required by federal law to ensure that all details being reported on an account must me 100 % accurate and verifiable. If they are unable to correct these inaccuracies for any accounts listed, then per FCRA requirements they should have removed the inaccurate inquiry ( XXXX ) entirely from my credit report. 

Thank you for your attention to this matter.
Complaint sub-issue: Debt is not yours

Company is stating that I owe an apartment complex. I have never resided at this community or had utilities at this particular location. I have reached out to the property management company, which stated they had no record of a lease due to new ownership. I also attempted to dispute the claims but have failed. They just state I owe an outrageous amount and that it needs to be settled.
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX, XXXX are reporting fraudulent inquiries in my credit file. 
These creditors and companies violated my consumer rights by accessing my credit file without my consent. I dont not have and accounts or services with these creditors nor did I ask for credit or services with these companies.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information, including my name, Social Security #, address, birthdate, etc., resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$12000.00} U S DEPT OF EDXXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX OF EDXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Balance : XXXX XXXX XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX  XXXX Balance : {$0.00} AD XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX/XXXX  XXXX Balance : {$1000.00}
Complaint sub-issue: Was not notified of investigation status or results

Re : 623 15 U.S.C. 1681s-2 Violations To Whom It May Concern : Please be advised this is the fourth time I have contacted your company, and you have still failed to delete the disputed account ( s ) your company could not verify. Based on the fact that your company ignored my numerous requests to provide documentary proof that you have in your files, that you used to verify the disputed account ( s ), which means that you have not verified or you can not verify any of these accounts. You failed to identify the name of a responsible person in your company who verified the accuracy of these accounts. Besides, you have not submitted evidence of the investigation, reinvestigation ( method of verification ) by giving me names and addresses of persons contacted, nor have you removed anything found inaccurate. The following item to be errors, or are deficient of proof of not being untrue, incorrect, incomplete, untimely, not mine, not my responsibility, or else wise not compliant to include to metro 2 reporting standards. 

Here as follows are items in potential error requiring immediate annulment of the retainment and or reporting. 
Account : XXXX XXXX | Account Number : XXXX | Charge off Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX Past Balance : {XXXX} See the attached for full complaint.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporter Conversion ... .acct # XXXX acct # XXXX acct # act. # XXXX act. # 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: Information belongs to someone else

***See attachments This is the second notice. I previously submitted a FTC report, identity theft affidavit, exhibits and more and got no response
Complaint sub-issue: Public record information inaccurate

I am submitting this complaint because Equifax is committing violations to my rights as a consumer. I am demanding REMOVAL OF THE FOLLOWING FILE from my Equifax report : Bankruptcy filed. Reference # XXXX. Date filed : XX/XX/2015. 

THE BANKRUPTCY FILE HAS BEEN REMOVED FROM XXXX XXXX   and can no longer be reported by the bureaus. Equifax MUST delete it from my report. I want my financial freedom back and it is my right to have your assistance. 

I expect this file to be off my report in the next 30 days. 

Please see attached XXXX XXXX deletion letter ( Page 5 ). 

Thank you.
Complaint sub-issue: Didn't receive terms that were advertised

I took part in promotion that Money Lion had called pave your wage. They will give you 17 percent of your first deposit into their investment account within 90s days as long as your other direct deposits are percent of the first deposit, you keep your account in good standing, and the promotion is good until XXXX XXXX dollar limit was exhausted I was told my multiple representatives that I qualified and all I need to go is wait. I was told XX/XX/XXXX was the day I should of received it. I reached out and spoke to a manager and she never followed up. I am considering their lack of action as negligence and also considering proceeding in small claims for damages.