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

Listen, i've tried several times to get this account resolved but unfortunately, i haven't been successful as of yet. I've sent all the documetns and forms that were requested of affidavit and it still reports on my credit. The only thing i got back from National Recovery COllection company are bunch of pre-printed statement. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/2020
Complaint sub-issue: Investigation took more than 30 days

I have submitted my Credit Dispute to all 3 Credit bureau 's and I have not heard back. I submitted my complains on XX/XX/2020 and have yet to be notified of investigation status or results
Complaint sub-issue: Information is missing that should be on the report

My credit report with equifax is inaccurately being reported. My credit report dropped XXXX points due to loans not being reported such as my mortgage, and installment loans such as my car and all credit cards are missing. When I called Equifax they stated my all my accounts were being reported, but I explained to them that my accounts were not being reported from what I could see. I mentioned to the representative this has happened before. I had to ask to have this escalated to next level because of inaccurate reporting and the effects it can have to my daily life. I asked to speak to someone else. I was told someone call me and that they would send me my credit report in the mail.
Complaint sub-issue: Problem getting your free annual credit report

I finally got equifax to temporarily lift the freeze on my credit file confirmation # XXXX but i still can not obtain a copy of my free credit report as they have still got the system asking me questions about things that don't pertain to me. the verification questions do not pertain to me. I do not have any mortgages or loans. they will not provide me with a credit report and their online system does not recognize my information at all. It never works. i don't believe they have lifted the freeze but their system states it was lifted and provided me with the above confirmation number. i don't know what equifax put on my file but can not verify the answer to the questions that do not pertain to me. none of what they are asking me has been and should not be on my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I wrote a letter to Equifax asking them to verify two accounts on my credit report. The accounts in question were XXXX account number XXXX and XXXX XXXX account number XXXX. Their response to me was that they needed to verify my address before completing the request however in my original letter to them, I included a copy of my driver 's license, SS Card and a recent utility bill that included my address. This address was also the address that was at the time and currently is on my credit report with Equifax. Their response included examples of items that I could send to verify my address including a Driver 's License, Mortgage or Deed, rental lease, utility bill among numerous other examples. Again, these documents were included in my original letter to them. I called to follow up and explain that I had already sent the documents that they requested, but the agent on the phone filed an additional dispute which reset the 30 days that Equifax had to respond. This was not my request. I was only calling to ensure that Equifax received my original supporting documents. I later received an email detailing the results of my dispute. When I logged on, I read where the results were mailed to me. I called Equifax to see where the results were mailed and I was informed that they were mailed to a PREVIOUS address on my file and not the CURRENT address that was reporting on the file at that time. This is a stall tactic and it will not be tolerated. It is also a violation of the Fair Credit Reporting Act. Not only did they not verify the accounts in question, they stalled the request by asking for additional verification which was already sent with the original letter and by sending the follow up to a previous address. 

Neither XXXX XXXX nor XXXX were able verify the aforementioned accounts so they followed the standards and laws set forth by the Fair Credit Reporting Act and removed the accounts. They deserve recognition for their adherence to the FCRA and I am pleased with their thorough investigation and follow up. I, however, can not say the same for Equifax. They have already lost the trust of millions of consumers for their carelessness in the company Data Breach of XX/XX/XXXXand they are continuing to fail at thoroughly doing their job to accurately report consumer information.
Complaint sub-issue: Investigation took more than 30 days

The issue involves Equafax. They have stopped allowing my credit report available to me online and through XXXX XXXX on XXXX. After 5 calls to customer support and being on hold for hours and requesting a supervisor I was hung up on several times. I then sent a written Letter to XXXX XXXX with a copy of my social security card, and a picture drivers license with my current address requesting that " I request an internal block removed from my account. ( Ref # XXXX ) .Nobody to date could explain or repair this problem with my Equifax account. PLEASE HELP ME!
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX My sister opened and deposited my Tax return cashiers check for me at the Bank of the West in XXXX XXXX at XXXX at XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. Later i gave my sister permission to withdrawal money out of the account for myself bc i was unable to do so. The account number is # XXXX. The remaining balance of the account should be roughly about {$21000.00}. When i was home and able to go to the branch myself with my sister, on XX/XX/XXXX around XXXX we spoke to the XXXX named XXXX XXXX XXXX XXXX XXXX XXXX He told us that the corporate security had shut down the account and there was nothing that we could do about getting my remaining balance back. This is unheard of, I've never heard of a bank being able to steal your money before. When i called in on my account it says there was a debt of {$21000.00} XXXX XX/XX/XXXX. But i never took that money out and I'm trying to figure out how to get the remaining balance of my funds. 
Thank you very much
Complaint sub-issue: Account information incorrect

On or around XX/XX/XXXX I learned that a bank account was opened at Branch Banking and Trust ( BB & T ) using my personal information. I did not authorize this account to be opened and came to learn ofsame after being denied a savings account. Upon receipt of myXXXX  report in XX/XX/XXXX, I immediately disputed same on the basis of fraudulent and requested the negative reporting information be removed from XXXX. I continued to make attempts to contact the BB & T in an effort to have the information removed but was unsuccessful. I continued to advise the bank that i did not open this account.After filing a fraud identity report with the FTC, I forwarded acopy of same to the bank evidencing fraudulent activity, again requesting the false information be removed. I have had toplace security freezes and fraud alerts on my credit report. In the alternative, I also requested, should the bank maintain thatthis account was valid, albeit false, that they provide theappropriate documents to verify this. To date, I still have notreceived any information from the bank verifying the accuracy of this account and I continue to maintain that this was a fraudulently acquired account opened by someone who usedmy personal information without my consent. On XX/XX/XXXX, after being denied for another bank account, I received aXXXX report indicating that this institution continuedto report negative information. I again disputed the informationon the basis of fraud I requested any documentation that the bank believed would verify the accuracy of the of the account.As of this date I have not received one document. On XX/XX/XXXX I received a third XXXX report after continuing tobe denied for a bank account, except this time denied at a local credit union. This institution continues to report account abuse despite the fact that it is false and is a clear violation ofthe FRCA which requires them to accurately reportinformation, and correct and remove any inaccurate information. The FRCA also requires this institution to verify, with proper documentation, within 30 days. Thereafter should this institution be fail to do same, the inaccurate and negative information must be removed. It is now almost 2 years sincethe date that this was first reported and this institution has notprovided one single document to prove or verify the accuracy of this account. The negative reporting information hasinhibited me from getting a bank account and I am facingsevere financial hardship that is affecting my ability to afford my rent. I did not perform any fraudulent activityrather this institution allowed another individual to open an account withmy information and now is holding me accountable for others wrongdoing. I dont know what else to do to get this false and inaccurate information removed from my report. I have beendisputing this for almost two years. I am desperately seekingyour help as I have exhausted all of my options.
Complaint sub-issue: Reporting company used your report improperly

Equifax is reporting alleged accounts on my consumer report without my permission. Congress has said so and they are in violation. Attached is an affidavit of truth.
Complaint sub-issue: Account status

The XXXX XXXX XXXX listed on my XXXX has been closed for 7 years as of XX/XX/2015 and was wondering why its still on my report? Thanks
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax refuses to process a request to block fraudulent charges from credit report despite receiving all supporting documantations
Complaint sub-issue: Information belongs to someone else

My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing a Notarized affidavit, Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I reached the standards for Blocked and Removed information on my credit report under 15 USC 1681c-2.
Complaint sub-issue: Information belongs to someone else

I sent a valid FTC report to Equifax, XXXX  and XXXX. XXXX  and XXXX  immediately fixed the problem, but Equifax has not responded at all. This is frustrating as I am very responsible with my credit. The account does not belong to me and should be investigated and removed.
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. 

Account Name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX Number # XXXX, Account name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account XXXX # XXXX, and XXXX XXXX XXXX XXXX Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

To date, my credit reporting still reflects Not Reported NR for the months of XXXX XXXX XXXX, which is highly affecting my credit score and the ability to credit worthiness. That said, I NEVER gave written nor verbal authority/permission to XXXX XXXX XXXX, Equifax nor the U.S. Federal Trade Commission to suppress my credit reporting under any circumstances nor did I suspect any fraudulent activity to my account.
Complaint sub-issue: Information belongs to someone else

For many years I have been in direct contact with all three credit reporting agencies and two companies that are currently reporting negative on my consumer reporting file and they refuse to validate the debt. I have never applied, used, or paid for credit card via XXXX XXXX XXXX and the collection account XXXX XXXX XXXX can not submit any application or contacts to validate the account. Also they are incorrectly reporting payment history on XXXX XXXX and XXXX accounts.
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I have been trying to clean up and credit and I am getting no help from the credit bureaus. I have sent in disputes back in XXXX and to this day I still have not heard anything. A simple letter is not that hard to get out and let know what going on with the disputes I file.
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 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 an account without my written instructions.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

To Whom It May Concern, This letter is regarding an inaccuracy in my credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX on XX/XX/XXXX ) 2. ( XXXX on XX/XX/XXXX ) 3. ( XXXX  on XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX on XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Complaint sub-issue: Banking errors

I have had the same PNC account for OVER 20 YEARS ... ..several years back PNC had branches here n Arkansas but withdrew those branches which left me 500 miles away from the nearest PNC facility XXXX .so whenever I use my ATM card not only does the bank I'm using charge me a fee but my own bank PNC charges me as well!!!!! PNC HAS BEEN DOING THIS TO ME FOR YEARS THAT I WAS NEVER RE-IMBURSED FOR! Several months ago I called/complained and PNC started re-imbursing me every month for THEIR FEE PORTION ... ..up until this month when they refused to RE-IMBURSED me!!!!! It is not my fault that PNC discontinued service n my area so why I should I HAVE TO PAY MY OWN BANK FOR THIS EVERY TIME I USE MY CARD ... .AGAIN PNC HAD BEEN DOING THIS TO ME FOR LITERALLY YEARS so I would like an explanation please as the option to email PNC within my online account has been XXXX.
Complaint sub-issue: Can't decrease my monthly payments

I have attended XXXX, XXXX University, XXXX and XXXX colleges since XX/XX/XXXX. I graduated in XX/XX/XXXX with a XXXX 's degree in XXXX XXXX. However, initially I was told through financial aid that i was not able to take more than XXXX XXXX because I did not qualify. After 7 long and tedious years, they told me i could have paid an extra {$500.00} a XXXX and taken XXXX classes instead of XXXX. With this new information, I complained to financial aid and my student coordinator ( which by the way this time i had already gone through about XXXX ). During this time I accrued not only an overwhelming amount of Federal loans because of these predatory practices however, I also had to take out private Genesis lending fans because federal loans covered nothing. Now here I am graduated, with XXXX Genesis loans that equal to about {$1400.00} in monthly payments alone!!! The only job offer I have received is a job that pays {$10.00} an hour from the state which obviously is a no brainer because there is no way to cover these loans on {$10.00} an hour. Please tell me what recourse is available to help me get out of this drowning debt.