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

This is for debt validation from a debt collection company I.C. System us attempting to collect an alleged debt that is no longer collectible and has been illegally passed along form XXXX XXXX which could not validate the debt according to law. The company is attempting to report the alleged debt to the credit agencies and is in violation of both the Fair Debt Collection Practice Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I have also attached a letter for validation of this alleged debt with further explanation of the illegal attempt to collect this alleged debt.
Complaint sub-issue: Debt is not mine

I received repeated phone calls on my cell phone in XXXX from a debt collection firm regarding a bank account, that I closed, with a little over a {$2.00} balance, which was held at US Bank. Apparently US Bank did not close my account and kept my account open. US Bank then proceeded to charge me an account maintenance fee of {$4.00}. This {$4.00} maintenance fee, that actually never existed when I had the account open, overdrafted my account. US Bank then proceeded to charge me an overdraft fee, among many other fees. I never received any notice in the mail from US Bank that any of this was even happening. Eventually, over {$170.00} later to be exact, US Bank sent my account to collections with an outside company. I then received non-stop phone calls everyday from an unknown number. When I finally answered the unknown caller, the person on the phone was extremely rude, demanded that I pay the amount immediately, and refused to acknowledge that one, I closed the account, and XXXX, that I filed bankruptcy. The harassing phone calls then stopped, only after I informed the debt collector that I would be filing harassment charges if they did n't stop. XXXX years have passed, and most recently, over the last XXXX weeks now, I have been receiving phone calls almost everyday. My number has changed XXXX or XXXX times since the last harassing phone calls, so I am not sure why/how this debt collector keeps finding my number to harass me. Today I gave them my attorney 's name and my bankruptcy case number, and I am hoping this will resolve their issues.
Complaint sub-issue: Account status incorrect

I C system is a collection for XXXX XXXX.I lived in XXXX, texas XXXX XX/XX/2016 I XXXX with XXXX and moved to XXXX, texas this is my present home.upon moving here in XX/XX/2016 XXXX XXXX was NOT available in my location!!! I then called the cable company and had cable tv installed.I am on a collection {$320.00} for not continuing my service with XXXX??!! I had this collection removed from my credit report two years ago but now I C Systems a new collection company once again placed this derogatory information in my credit report
Complaint sub-issue: Non-sufficient funds and associated fees

I have a " Virtual Wallet '' account with PNC that I've had for nearly a decade without incident. When reviewing my account this ( XX/XX/XXXX ), I notice a {$15.00} fee from PNC in XX/XX/XXXX and XX/XX/XXXX and call to see what it's all about. 

The customer service representative tells me I must not be meeting the requirements of the account ( for the first time in 7+ years mind you ). I tell them that I'll need to look into that, but it seems off to me since this has never happened before and that I wasn't notified to any changes to my account that would suddenly make me ineligible. I request a refund for the fees since I'm a long time, loyal customer and wasn't proactively notified that I was ineligible and would be facing charges. The customer rep tell me only one fee can be waived. I insistent that both be waived or that I speak with a supervisor to discuss the eligibility requirements further.

When I finally speak with a supervisor they discover that I DO in fact meet the requirements. So essentially, PNC was going to steal {$15.00} a month from my account because " I didn't meet account requirements '' that I DID in fact meet. And I had to proactively suss all of this by going through a 1 hr phone call and demanding to speak to a senior representative. How many others are being ripped off by this scam right now? PNC needs to make sure they are proactively communicating if customers aren't meeting standards and not just sneakily issuing fees that can get buried. Shame on them!
Complaint sub-issue: Problem with statement of dispute

An alleged debt in the amount of {$280.00} was reported to Equifax, XXXX, XXXX for an account from XXXX ( acct. # XXXX and/or # XXXX ). I sent an online dispute to XXXX & Equifax. XXXX & Equifax reported that the dispute or dispute investigation as closed and the alleged disputed amount was placed or kept on my credit report. I ordered and cancelled the order for the services. I never received the phone and internet services that XXXX claimed to have provided. I never received their equipment, their technician did n't connect anything in or around the house, nor did I use their services reference in that account.
Complaint sub-issue: Account status incorrect

XXXX  bank XXXX and XXXX XXXX Has reported false information under my report. Account has been paid in full and I was never ever late.
Complaint sub-issue: Frequent or repeated calls

For the past 3 months, I've been getting upwards of 10 phone calls a day from Allied Interstate regarding a group of private loans. Since my mother is a co-signer, she gets the same amount of calls, too. They come from both of these numbers : XXXX XXXX Because I work with a financial planner, I told the rep about two weeks ago that I would need time to download all of the information with her before deciding to move forward. Still, I am getting non-stop phone calls. They've also threatened to garnish my mother 's wages for payment without any explanation as to why or how they can do this. Upon further research, I discovered that this company is known for harassing customers and would love for them to stop. I've also asked them to at least decrease the amount of times they call a day and they have not.
Complaint sub-issue: Received bad information about your loan

First off, we are responsible and hard working people not looking for a bail out, just company that can operate fairly and accurately. XXXX XXXX XXXX consistently makes vital errors, gives wrong or inaccurate information and has terrible customer service. 

Ever since I consolidated my and my wife 's students loans in 2013 and were set up with XXXX XXXX XXXX XXXX we've had issues when it comes to re certifying our income based loans, inaccurate information and blatant errors. 

Each year they fail to calculate our income based repayment plan properly and we are forced to spend hours on the phone with them or resubmitting paperwork because of their mistakes. Not to mention the thousands of dollars they are costing us. Every year since 2013 they've made errors when recalculating for IBR. Often doing the math wrong or forgetting to add in my or my wife 's loans on both our accounts. Last year they miscalculated 4 times taking 9 months for them to get the payment corrected. During that time both loans were put into forbearance and we were charged nearly {$20000.00} in interest because we were not making payments, due to their error. After endless hours on the phone, being given inaccurate and contradictory information they finally got it correct. Also, I'm on Public Loan Forgiveness and missed 9 months of " qualifying '' payments because of their incompetence. I would have liked to have been paying on my loans, at the correct amount. 

The company makes extremely costly errors, admitting to the errors over the phone and gives inaccurate information. They should be replaced by the Education Department and held accountable. I would venture to say most of our current national student debt issues are caused by these incompetent private companies, due to fees and interest.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Complaint sub-issue: Didn't receive enough information to verify debt

The company is reporting incorrect data. This account is most likely, has reached its limit and does not belong to me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Debt is not yours

The law states that the failure of the owner and/or lien holder to exercise their right to reclaim the vehicle or other property within the time provided may be deemed a waiver of all right, title and interest in the vehicle or property and their consent to sale of the vehicle or property at public auction. 

On XX/XX/2019 there was an application for Michigan Vehicle Title Submitted. The title/application has no secured party. I am also not the owner on the title or registration of this vehicle. Ally has been pursuing collections and repossession of this vehicle since the sale regardless of my multiple attempts to dispute the information. I have also requested a lien release from Ally in regards to this vehicle. They have no security interest in the vehicle and there is no lien on the vehicle. Yet I am still being pursued with collections for almost 3 years now. 

I also have the Bill of Sale provided to me which states the vehicle was sold and released on XX/XX/2019 to XXXX XXXX, and signed by law enforcement. The XXXX states that it may be used to apple for ownership in purchasers name. 

Also in the SOS or DMV the registered vehicle vin shows no active LEIN. I have not been able to remove this collection from my credit reports and it has destroyed my credit.
Complaint sub-issue: Personal information incorrect

I am a victim of identity theft and there are some addresses reporting that I never lived and a job that I have never worked. I am extremely concerned because I believe the person who is using my information is someone I trusted in the past who is now doing a lot of damage to my credit report. 

Attached to this letter is a copy of my identity theft affidavit with a thorough explanation of how I believe these inaccurate information got placed on my credit report as well as the original letter I sent to the credit bureau 's back on XX/XX/2021 which I did not receive a response.
Complaint sub-issue: Account status incorrect

Federal Stafford Loan application was applied XX/XX/08. I applied to XXXX University in XXXX XXXX, NJ. I withdraw from the school and never applied the loan to anything.Come to find out when I applied for a mortgage I have this showing on my credit report.I have contacted the school and they said they could not help me with the situation. Seems i was placed in collections with XXXX ( XXXX ). 
I am looking to purchase a home and will not qualify based on this incorrect debt. 
Please review.
Complaint sub-issue: Public record information inaccurate

one inaccurate bankruptcy is reporting under equifax credit reports of mine, this is a complete inaccuracy that is reporting gunder equifax, i have never had a public record filed. please find attached the documents that i have received and specifically shows that i have no public records what so ever, please make my complaint and proceed to having equifax remove this inaccuracy reporting cause they a re not helping me in this case and are not helpful at all, disputing inaccurate and wrongful way and very much disrespectful thank you
Complaint sub-issue: Need information about my balance/terms

The way the loan is now being reported has caused a significant drop in my credit score. The amount that I am now showing shows that I have over utilized my extended credit when I have been making timely payments. XX/XX/XXXX, XXXX XXXX raised my credit limit. XX/XX/XXXX, they lowered it. I can not get an answer from them for the " new '' reporting guidelines. HELP!
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Pa XXXX Soc Sec # XXXX XX/XX/21 Equifax Attn : XXXX XXXX - President, CEO & XXXX XXXX : Consumer Report Certified Mail # XXXX To XXXX XXXX : Under 15 US Code 1681 ( a ) ( 4 ) -Permissible Purpose of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I, XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft. A copy of this law is attached with this dispute letter. 

Concerning cases listed below ( Exhibit A-Consumer Report ) as a Consumer, I am demanding that ALL information your company is reporting negatively including late reporting on these particular accounts be reported as on-time positively, with a Zero Utilization of each account immediately. I have attached the Exhibits
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8400.00}, {$31000.00}, {$13000.00}, {$7300.00}, {$28000.00}, {$180.00}, {$170.00}, {$700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

7. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.
Complaint sub-issue: Debt is not yours

A collection account from IC systems has been reported on my XXXX   and XXXX  credit report on behalf of XXXX XXXX, however I have previously disputed a different collection agency attempt and had it successfully removed from my credit report because the debt is not mines and could not be verified per the 3 credit bureaus. IC systems is also in violation for failing to inform me in writing that they were attempting to collect a debit and allowing me time to formally respond in writing if the debt was actually a debt that i owed. Therefore i request that this account be immediately removed from my XXXX  and XXXX credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I pulled my credit reports and noticed that XXXX had a hard inquiry on my for both XXXX and Equifax. I wrote both credit bureaus and in XX/XX/2018 and it was still there. I then wrote XXXX and they responded on XX/XX/18 that they could not find any information on me. They wanted my address copy of my credit report and my account number ( switch I couldn't provide because I did not apply for XXXX ). Then gave them all the information on XX/XX/XXXXto the XXXX  and as of XX/XX/XXXX have not responded to me. I have called XXXX XXXX customer service number and no one could help or have information of someone to contact. The Credit Bureaus won't remove it and XXXX has no idea how it got there.
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 Account number XXXX, has violated my rights. This account is not mine and is reporting in error. I was not notified of any negative information on my report. Delete for inaccuracy because date of last active is incorrect because this account is not mine. Delete for violation of 15 U.S.C 1681.

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 r easonable cause to believe that the information is inaccurate.

15 U.S.C. 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2022, but I never received a response. under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the following Items removed now! 

XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

incorrect addresses and work history. Id theft victim i have never lived at these addresses nor is my work history correct XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  please rermove asap
Complaint sub-issue: Information belongs to someone else

First I want to say that for the last year and a half I have been calling the reporting agency asking to dispute these 3 accounts. Their representatives kept denying that the accounts were even showing on my credit file from their end. I didn't have access to a complete credit report because the online portal kept telling me that the information I provided was incorrect. All the while these accounts were showing on XXXX XXXX. 

So either they were previously deleted and now are allowed back on my file or the representatives lied to me. Either one would be a direct violation of the credit reporting act. 

The reporting agency just recently send me an update that the information was verified and valid. The credit reporting agency told me that all the collections company have to do is to send an electronic message to them claiming they investigated and found the account is mines. So they can lie as if they have reached out to me and conducted a verification and it will remain on my credit file. 

I have called this original creditor company several times informing them that I was a part of several government and Equifax data breeches. I have submitted to the credit bureau all of the police reports and the fraud reports filed during the time prior to, during and after this debt being added to my credit report. I am not sure what else I need to do.Its as if they want to collect from me on a debt even if it is fraudulent. There has to be some recourse for them not taking my identity theft into account. 

This has damaged me financially and emotionally because I am unable to secure credit line due to this fraudulent account being on my credit report. I have never lived in Florida, so this is very concerning. I even supplied my lease in the state of Texas for the time this debt was made. 

I have even filled out papers for the original creditor informing them that this is a fraudulent account. I have gotten not response each time I filled it out. When I would follow up after a month I am told to fill the same papers out all over again. It is frustrating and unfair to me.
Complaint sub-issue: Their investigation did not fix an error on your report

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 Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, has violated my right 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: Credit inquiries on your report that you don't recognize

I have several fraudulent hard inquiries on my equifax credit report. Below are the fraudulent inquiries. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX