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

I got a new phone number and as soon as it became active, I started receiving debt collection calls for the previous owner of the phone number named " XXXX '' for AMSCOT, a pay day loan company. I immediately told them on the first call that person is not tied to this number and I only got the new number activated in late XX/XX/XXXX, and would they please take this number out of the database. I have received multiple calls total and I can't seem to get them to remove my number from their collection database, and I told them I was going to file a complaint for repeated calls. 

Here is a list from the call log- they've been told repeatedly to stop calling and instead they continue to call 2-3 times a day. 

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
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I filed a dispute with Discover Card regarding a transaction for XXXX dollars - the Merchant had fraudulently/incorrectly shipped a product and had mentioned that I should simply decline the shipment and they would refund the monies. This was on XX/XX/XXXX. 

After declining the shipment when the merchant refused to refund the monies I filed the dispute. Dispute # XXXX. 

On XX/XX/XXXX Discover sent me the following message " A decision has been reached for this investigation and we have found that this transaction is valid. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute. '' When I contacted them on why the charge was valid since I had shown proof that the vendor had already recieved the product back and was refusing to refund the monies - discover mentioned that they closed the case prior to me sending them additional information ( I had sent them the proof immediately on receiving it from XXXX ) so now there was nothing they could do. 

They suggested I email them the communication from the vendor showing additional proof which I did on XX/XX/XXXX. Even after this Discover contends that the information is insufficient and refuse to explain why they will not refund the monies when they have the proof that the vendor has the shipment and I still do not have a refund.
Complaint sub-issue: Debt was result of identity theft

Way back in XX/XX/XXXX, I Contacted PNC Bank concerning Unauthorized charges, PNC never conducted a proper investigation. I requested the steps and specifics concerning the investigation they claimed to have completed, PNC Bank refused to provide that information to me. 

I Filed complaints on XX/XX/XXXX another on XX/XX/XXXX, PNC Bank did not respond with the information requested alternately, danced around the crux of my complaint. It has been over 3 years and PNC Bank still has not provided a proper response. Apparently PNC Bank feels time heals and forgets, as now they come at me with an offer to pay off or settle for 20 % of what PNC Bank alleges I owe. The low offer itself is a testament PNC Bank is aware how weak their claim is. 
SEE CASES # XXXX, XXXX & XXXX This debt is not my responsibility plus PNC Bank has given up any legal right when they decided to ignore rules and regulations by not acting in a timely matter, not conducting the proper investigation and numerous other procedural shortcuts they decided to take from my previous issues. 

Additionally, I am requesting a Cease and Desist from PNC Bank or any Collection agency they fraudulently attempt to sell this JUNK debt to in the event PNC Bank does sell this debt to a collection agency which would be another direct violation. 

This letter is in response to the many correspondence I have been receiving from PNC Bank. 
ORDER TO CEASE AND DESIST ALL COMMUNICATIONS : According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call or contact me in any way at home, at work, on my cell phone or at any other location.

Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken. 
Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 ( b ) 2.

I am keeping accurate records of all correspondence from you so if you continue to contact me I will hand this over to my attorney XXXX  XXXX  of XXXX, XXXX, XXXX  XXXX  XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX 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 a account without my written instructions
Complaint sub-issue: Account status incorrect

The XXXX XXXX XXXX # XXXX listed on my credit report is reporting inaccurately.

This item has been re-aged. According to the FCRA this item is to be removed by XX/XX/XXXX. See attached print screen of my XXXX report dated XX/XX/XXXX. However on my Equifax it has been re-aged and now lists with recent 120 day lates on XX/XX/XXXX and XX/XX/XXXX. Attached is also a current print screen of my Equifax report dated XX/XX/XXXX. I've also included a previous Equifax report that does not show any recent lates.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2018, there was a transaction that appeared on my bank checking account and immediately I contacted the bank to file a dispute about this fraudulent charge that I did not authorized for the amount of {$1900.00}. At first disputed that I file with the bank, they were not willing to reimburse the amount above. Then I asked them to reopened the dispute which they did and I waiting for the reponed of the first dispute to be completed. This was a fraudulent charge on my account and I would like to receive this refund as soon as possible. 
Due to that I filed an FTC report with reference number : XXXX.
Complaint sub-issue: Investigation took more than 30 days

I have asked for these companies to remove these loans from my credit report and or provide proof of legal attachement to these account over 30 days old and nothing provided and still not removed from my credit report.
Complaint sub-issue: Information belongs to someone else

There are a couple of creditors listed on my credit report that do not belong to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I filed complaints with the credit bureaus regarding several concerns on my credit reports in the past. I've had identity theft several times in the past in which I submitted letters stating to contact me directly on XXXX in the event there is credit being pulled in my name without my consent. I have obtained about 20 or more inquiries with no creditor reaching out to me to verify, that it is me requesting credit.

I want all of these issues resolved and inquiries removed from all 3 of my credit bureaus reports. Why should I constantly have to mail letters regarding this if I have a fraud alert on my report with my phone number to be contacted and it's still not being done, but my credit is being pulled without my acknowledgment.?? 
I request immediate resolve to the unauthorized credit inquiries and credit sought out in my name removed. 

Equifax XXXX XXXX
Complaint sub-issue: Information belongs to someone else

believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Equifax Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : US DEPT ED XXXX Balance {$310.00} EQUIFAX : DEPTEDXXXX XXXX Balance {$0.00} US DEPT ED XXXX Balance {$310.00}
Complaint sub-issue: Information belongs to someone else

Noticed untauthorized account on report. someone used my info to open account with this company
Complaint sub-issue: Their investigation did not fix an error on your report

I had a  Federal Tax Lien fil ed in error on  XXXX   XXXX ,   XXXX  . The IRS realized it was an error and issued a withdrawal on  XXXX   XXXX ,   XXXX  . The withdrawal was sent to th e Register of Deeds in my county  but Equifax and  XXXX   XXXX  never reported the withdrawal. I filed a dispute and reinvestgation but Equifax insisted the information from  XXXX  was correct and never corrected the information even though I sent them a copy of the withdrawal twice. My husband filed a complaint with CFPB as he was treated in the same manner. The result was it was corrected on his report but not mine.
Complaint sub-issue: No notice of investigation status/result

I disputed items from my Equifax file or report on XXXX XXXX 2015 ( USPS Tracking Number : XXXX ). Eqiufax received my dispute notice on Tuesday, XXXX XXXX, 2015. The results I received from Equifax did not include any investigation and Equifax did not verify any information I originally disputed nor did they send me a corrected and updated credit report but only received pages from my credit report of items I disputed stating that the items were verified.
Complaint sub-issue: Their investigation did not fix an error on your report

This company has changed the follower amount they say I owe numerous amounts of time. I will attach a statement below. The company has reported incorrect amounts and yet every time Ive disputed the validity of the dollar amount the account had been verified and updated to a different amount. Enough is enough. Under federal law anything reporting inaccurately should be investigated thoroughly and deleted if inaccurate. This company has been caught trying to hold an incorrect debt on my report. Another thing, all three bureaus are reporting my high credit balances differently, the payment histories are all wrong.
Complaint sub-issue: Can't temporarily postpone payments

I went to XXXX XXXX XXXX MI and was told I would have a loan thru Genesis Lending which I learned was been since investigated. I have had issues with the Instiutute itself and can not rid myself on the ongoing debt and no way to fix the issue. I am in debt {$16000.00} for a XXXX XXXX certificate in which I never got due to issues with promises of an externship. Once externship started I was told I didnt do well enough or only given limited access to the job I was to learn. The Genesis Loan I have tried to resolve but I get phone calls and letters weekly. I can not pay back any money if I am unemployed. I have discussed with them several times and I get the same answer. Its unclear to me also how I am responsible for paying back loans on a college that the government had to shuit down due to the dishonest nature and students left in unreasonable debt.
Complaint sub-issue: Overcharged for something you did purchase with the card

My citi bank Best Buy card account says I owe {$530.00} when I owe nothing. At this point I have paid them more than what I have bought, the card has no interest. I have contacted them multiple times over the secure message part of the website that says I will be replied to in 4 hours. It has been a week with no reply. 

I do not owe any money on my Best Buy citi bank account. I have only bought {$1300.00} worth of items from Best Buy and have made payments or received credits of {$1300.00}. My charges are ; XX/XX/XXXX for {$410.00} XX/XX/XXXX for {$16.00} XX/XX/XXXX for XXXX XX/XX/XXXX for {$86.00} XX/XX/XXXX for {$210.00} XX/XX/XXXX for {$270.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$38.00} XX/XX/XXXX for {$20.00} XXXX {$200.00} I have made payments or received credit of {$1300.00} ; XX/XX/XXXX return of {$19.00} XX/XX/XXXX return of {$21.00} XX/XX/XXXX return of {$64.00} XX/XX/XXXX late fee reversal of {$28.00} XX/XX/XXXX return of {$210.00} XX/XX/XXXX payment of {$66.00} XX/XX/XXXX return of {$210.00} XX/XX/XXXX return of {$85.00} XX/XX/XXXX payment of {$100.00} XX/XX/XXXX payment of {$100.00} XX/XX/XXXX return of {$33.00} XX/XX/XXXX payment of {$100.00} XX/XX/XXXX payment of {$200.00} XX/XX/XXXX payment of {$130.00} Please correct this since I have only bought {$1300.00} worth of items and have paid or received credit of {$1300.00}.
Complaint sub-issue: Problem with personal statement of dispute

My husband was furloughed due to the XXXX. As such with being on unemployment we chose to work with our creditors and most all of them suspending payments for 2 to 3 months. US Bank however offered nothing other than waiving the late fee and really isnt any help at all. Now theyve reported us to the credit bureaus Which under the cares act I dont believe theyre allowed to do.
Complaint sub-issue: Their investigation did not fix an error on your report

I lost my wallet. I recently checked my credit report and saw this request to look at my credit which I have not completed any application for. All this information listed on this report is FRAUD.
Complaint sub-issue: Information belongs to someone else

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with o {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I've contacted the police locally and FTC. These items need to be deleted from my credit report : Ch XXXX Bankruptcy, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX account XXXX, XXXX acct XXXX equifax and XXXX  acct XXXX on XXXX, XXXX, and XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

On or about XX/XX/2021, XXXX, Equifax and XXXX  as well as the CFO 's of each were cc 'd and provided via Certified mail, a request to the original creditor, XXXX XXXX XXXX XXXX, to provide validation to the allege debt being reported to the credit bureaus see complaint XXXX. Nothing has been provided. However, even though XXXX, Equifax, and XXXX  are fully aware that no documentation has been provided to support the validation of account, they have failed to remove the debt. In fact, on XX/XX/2021, XXXX  concluded the debt to be verified by grantor for the third time but has no documentation to support their conclusion and they have concluded prior to receiving any response from XXXX XXXX XXXX XXXX regarding the allege account. ( see attached ) I have also been refused full disclosure of my credit file.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX, and XXXX I spoke with a representative ( XXXX XXXX ) in Consumer Affairs office. XXXX XXXX emailed me a link to submit my DL, SS card, and my report regarding identity theft. XXXX XXXX told me that she would follow up on the following day. 

I never heard back from XXXX XXXX and now I am being told that my documents can not be located. I still have proof of the emails with the link that XXXX XXXX sent me. To send your DL and social security card to Equifax and they are careless with such important documents is unacceptable. They are now asking me to Mail my personal documents through the mail. I refused because last year I forwarded the same documents through the mail certified with a return receipt. Equifax received the documents ( proof by the return receipt ) and they lost my documents.
Complaint sub-issue: Account information incorrect

I contacted Equifax and explained to them my credit profile is incorrect regarding my XXXX XXXX account. I was told by Equifax I need to contact the creditor. I spoke with a Manager at XXXX by XXXX XXXX and was told they will submit a case. I explained based on the FCRA everything on my report must be accurate and verifiable. Equifax and XXXX XXXX did the opposite, rather than following the law, they just corrected the information which they can't do because it was incorrect on my report. I submitted disputes XX/XX/2020 with No resolve I added the attachment to show proof of the violation. XXXX shows how it was recorded XXXX shows the report adjusted. 

Thank You
Complaint sub-issue: Personal information incorrect

I have contacted by certified mail to Equifax, XXXX, and XXXX ruffly 3 to 4 times concerning incorrect names, addresses, and employment that they are reporting on my Credit Reports. ALL 3 HAVE IGNORED MY REQUEST, NOTHING HAS CHANGED BUT KEEP PUT WRONG/MISSPELLED INFO. 

Equifax Track # XXXX XXXX  Track # XXXX XXXX Track # XXXX
Complaint sub-issue: Account status incorrect

Right after I graduated in XX/XX/2017 and searching for employment, Hurricane Harvey hit us bad and destroyed our home, injured my father and no income to the family other than Disaster Unemployment. 
I contacted Nelnet and requested for relief which was provided to me. I was able to find a very low income temporary employment and requested Nelnet for additional payment relief and provided all forms and documents they requested but they kept saying they did not have all the documents until I was able to work with a rep who watched for my email and confirmed receipt of all documents. BUT, In XX/XX/XXXX,  Nelnet reported 14 ( THIRTEEN ) late payments to Credit Bureaus. 
Every time I speak to someone at Nelnet, I get a different representative giving me a different set of information. A few months ago, one representative spoke to his supervisor and told me a request was sent to Credit Bureaus to remove these delinquencies but they have not been removed yet in 3+ months. I If the issue is not resolved within 30 days then I will take this matter over to the Court.
Complaint sub-issue: Information belongs to someone else

I am having a serious issue going on with my credit report. I have been a victim of identity theft. I have tried to work closely with US Bank fraud department for the last 2 years. They are reporting an auto loan with their institution which was opened fraudulently, I signed there affidavits and filed the police reports necessary. and they denied my claim due to dealertrac saying that my correct license was used. 

I explained to US Bank I lost all of my documents while traveling to XXXX XXXX. This account was token out in XXXX New Mexico. A place I have never visited or lived in. 

Their was another account that was opened up with XXXX XXXX XXXX it was another Auto loan as well. In their investigation they came up with a copy of a New Jersey Drivers license with a po box dress in Florida. 

I called New Jersey and was told that New Jersey license with residents residing would only have a New Jersey address listed on the identification. Which tells me this license that was provided to XXXX XXXX was fraudulent. I need help in getting this account removed from my file.
Complaint sub-issue: Problem getting your free annual credit report

I accurately completed all information on XXXX, and requested a report through equifax. Equifax refused to furnish my credit report thereafter, in violation of my rights to access my report for free.
Complaint sub-issue: Contacted me after I asked not to

I currently have an open case through the CFPB XXXX case # XXXX against XXXX Bank. I opened this complaint on XX/XX/2016 and they responded back that they needed more time. Since then XXXX Bank has removed the negative items that 's appearing on my Experian and Equifax bureau and I 'm waiting for the item to drop off TransUnion. So already it 's been a month and XXXX days and I 'm still awaiting the outcome. On today XX/XX/2016 I received a harassing email from a debt collector stating that I owe this debt. I have no clue about this debt collector and they do n't have authorization on this debt or to contact me. Please find that I 've included the email with this complaint. I was never sent information before hand that this debt was sold nor did they contact me to see what 's going on. I 'm confused at this point and I do n't want any communications from this debt collector. I 'm working with the creditor directly.
Complaint sub-issue: Problem with product or service terms changing

I am filing a complaint with Equifax for refusing to comply with the FCRA 605b. I followed FTC 's process and got police report, turned in 2 forms of ID and a letter requesting that I have accounts that wer tied to a fraudulent bankruptcy removed as well as these items were a result of ID theft. I waited 3 hours to speak with a supervisor and was told that these 3 remaining accounts would not be removed : XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX. In accordance with FCRA 605B theese items are supposed to be suppressed ( removed ) from my credit report as long as I have submitted required info with 4 days. The supervisor, who would not give his name, told me " anyone can get a report and claim id theft, we are not blocking your info ''. I asked him about being notified within 5 days that they are/are not blocking the info by letter, I was also told, they will not disclose any info pertaining to my account or as to their company policies.

I am demanding to have these fraudulent items BLOCKED FROM REPORTING, I followed procedures and am being denied my rights according to the law ( FCRA 605b ). Equifax, is preventing consumers like myself from remedying the disaster that ID theft has caused us financially and credit wise. If this is not settled, I will be pursuing litigation to recoup the damages they have continually cause to my credit health and reputation. This is ILLEGAL and should not be accepted.
Complaint sub-issue: Reporting company used your report improperly

XXXX QUOTES RULES AND THIER PURPOSE WHICH I HAVE NO OBLIGATION TO PERFORM, XXXX OPERATES ON A PRESUMPTION, I DONT HAVE ANY CONTRACT WITH THESE DECEPTIVE MISCREANTS, XXXX  COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX  XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF XXXX WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS
Complaint sub-issue: Debt is not yours

I have contacted Enhanced Recovery and XXXX about a debt on my credit report that does not belong to me. The debt is listed on my credit report as XXXX. I have sent numerous correspondence requesting validation of the debt that includes my signature and authorization. XXXX has not provided me with the requested information. Therefore, I am demanding the account be removed from my credit report. The dates that I sent certified letters to XXXX pertaining to this debt are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.