Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

This company is in violation of the FDCPA, sections 808 ( 1 ) and ( 2 ). There is no judgement that exists, which warrants the collection of any interest. Nemo 's Collection 's continues to update my credit report on a monthly basis by {$1.00} to {$2.00} dollars and recently did so on XX/XX/XXXX. They have not validated the debt nor provided a copy of the original contract which proves they are legally able to collect interest. In addition, attempts have been made via certified mail, to pay the original balance of the debt, of which the owner of the company refused to accept the certified mail. The owner stated that he has a right to refuse certified mail and does so because attorneys are constantly sending him certified letters. A second attempt was made via priority mail, of which I have received no response, and the USPS, shows it was delivered on XX/XX/XXXX, the same date the company illegally made a false update. I have disputed the inaccuracies with the credit bureau as well.
Complaint sub-issue: Account information incorrect

I have contacted Equifax several times regarding this account being reported incorrectly and they have yet to resolve it. I finally contacted the company to receive a letter showing that it is reported incorrectly and have mailed it Equifax, three times. In the meantime they have done nothing with it. They are confusing this account with an open account that I am an authorized user on, they need to pay attention and read the letter and they will see the correct account! This is ridiculous
Complaint sub-issue: Deposits and withdrawals

After my checking account was closed, on XX/XX/20 XXXX sent a refund of {$19.00} to the closed account. I called 3 times asking how my funds can be accessed since the account is closed. PNC confirmed that they received the refund and temporarily reopened my account to do so. I was informed that I would receive a check by mail but no one knows when. There is a department that issues the checks that I can not speak to directly apparently. I would like my refund check as soon as possible. It has been over 10 weeks since the deposit was made and PNC has not allowed me access to my funds.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft. I did not make these charges listed on my FTC report.
Complaint sub-issue: Investigation took more than 30 days

No of the credit bureaus are responding to the disputes I sent in about incorrect information reporting on my credit file
Complaint sub-issue: Their investigation did not fix an error on your report

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I filed a police report and FTC report : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble closing card

I am invoking specified remedy as a consumer and the original creditor Zero out any account balance Provide the XXXX XXXX of alleged debt Delete this alleged debt from all Consumers Reporting Agencies Provide an authentic signed contract between you, Collection agency, and XXXX XXXX showing proof that you and XXXX are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation XXXX is claiming owed. 

An authentic invoice for goods and/or services you provided
Complaint sub-issue: Account information incorrect

This complaint is regarding XXXX, XXXX, AND XXXX 'S COLLECTION ACCOUNT NO. XXXX, wrongfully appearing on my Equifax credit report.The date of first delinquency is in error and fraudulent and RE-AGED and as such, this account is and has been published wrongfully, and should be deleted from the EQUIFAX BUREAU REPORT. 
IN XXXX, THE CREDITOR RESPONDED TO THE CFPB TWICE, ASSERTING THE FAIR CREDIT REPORTING ACT that JUDGEMENTS can post for 7 years from entry.This is true, however this account has been a COLLECTION ACCOUNT from its first publishing and as such the DATE OF FIRST DELINQUENCY is significant.If the creditor 's JUDGMENT had been reported as a judgement to Equifax, it would be placed in the PUBLIC RECORDS portion of the report not THE COLLECTION ACCOUNT section of the report, AS IT IS TODAY.The account is about unpaid rent per rental contract.The rent was late or delinquent in XX/XX/XXXX and no money has been paid since, regardless of unlawful detainer action filed in XX/XX/XXXX, eviction in XX/XX/XXXX, entry of judgment in XX/XX/XXXX.The debt is DELINQUENT rent plus fees and interest.The judgment is part of the collection process of collecting overdue rent.The rent was first delinquent and continuously delinquent since XX/XX/XXXX with the original creditor XX/XX/XXXX.. 
XXXX XXXX ADMITS TO THE ANSWER OF OVER 50 DISPUTES IN THEIR CFPB DISPUTE RESPONSES. EVERY DISPUTE WAS WRONGFULLY VERIFIED OR CERTIFIED. 
AS SUCH, REGARDING RE-AGING AND WRONGFUL VERIFICATIONS, EACH VERICATION carries statutory damages from $ 100-1000 dollars per incident and if the court deems they can award punitive damages.BOTH THE FURNISHER AND BUREAU ARE BOTH LIABLE FOR OVER 50 FALSE VERIFICATIONS. 
50 X {$100.00} EQUALS {$5000.00} X {$1000.00} EQUALS {$50000.00} PLUS  POSSIBLE PUNITIVE AWARD, should XXXX XXXX and I meet in court. 
Equifax regardless of the position of XXXX XXXX.has the duty to delete this account because the bureau is currently liable for possible {$100000.00} in damage, themselves. 
All evidence attached is a portion of the judicially noticed evidence of a future court action.
Complaint sub-issue: Information belongs to someone else

I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from th e ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carfully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver Licese -Copy of the Utility Bill
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXXXXXX XXXX XXXXXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have been trying to get this fraudulent information deleted from my Equifax report. I've never lived at XXXX XXXX XXXX. I've been at my current address since XX/XX/2019. I've filed an FTC report because I believe my identity has been compromised, or there's been an error with someone who has a similar name as me. Please review the information that I am sending & delete this information from my report.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XX/XX/XXXX-Date of Inquiry XX/XX/XXXXXX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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: Information belongs to someone else

I checked my bank account back in XXXX and noticed a deposit of {$100.00} to my main, personal checking account from MoneyLion. I had never heard of this service before this date. There were many other fraudulent issues on these accounts as well that have all been resolved except for this one. I tried to reach out to them, which is nearly impossible unless you have an account there, and I was directed to their fraud department. 

I don't remember this exact date, but it was some time in early XXXX. I was told I would receive information to send back to them and this was never sent my way. 

On XX/XX/XXXX, I called and got a fraud case set up for me and they sent me information to fill out. I sent them an email to the email address they provided with questions regarding the documents required on the XXXX. In this email, they explicitly stated I had 15 days to return all these documents. 

On the XXXX, the same day I sent my questions, I got an email saying the case has been resolved/closed due to lack of response from me to the company. I then sent another response to that email saying I had questions that didn't get answered and then asked if my case was actually resolved or if they were just closing it for inactivity - even though there was activity. 

On the XXXX, I received another email claiming a different ticket was closed. Again, no questions were ever answered. 

I was reaching out to them to begin with because the account that was opened in my name is late and is hurting my credit score. I have filed disputes with the 3 main bureaus and I am concerned that they are going to reach out to MoneyLion and MoneyLion will claim that I haven't tried to resolve it with them - even though I clearly have. Another concern of mine is the fact that they have a different amount than what I see. I received {$100.00}, they have that it was {$150.00}, but my credit report is showing approximately {$500.00}.
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. 
Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : BANK OF XXXX XXXX XXXX, Account name : 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 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: Transaction was not authorized

i have checking account with XXXX XXXX XXXX account i have stolen checks and cashed XXXX XXXX didnt do any thing for me finally i got my stolen cashed checks copys and i was informed that pnc bank is the cashing bank and name on checks is XXXX XXXX i dont know this person and i dont have account with pnc so my checks was cashed and not my wrigting or my signature on it i think pnc should get my money back from the account was cashed in there bank thank you
Complaint sub-issue: Their investigation did not fix an error on your report

Items on credit report older than 7 years since date open have not been removed. Instead these items have been " updated. '' this is true for all the credit reporting agencies. They have " removal '' dates for several accounts but not sure if they comply with the fair credit reporting act. Some other disputed items do not have " removal '' dates listed.
Complaint sub-issue: Debt was result of identity theft

THIS IS NOT A REQUEST FOR VALIDATION OR VERIFICATION OF DEBT. 
THIS IS ME CALLING OUT DISCOVER FINANCIAL SERVICES FOR IDENTITY THEFT. 

they collateralize MY " LOAN '' and PROPERTY to SECURE their INVESTMENTS ... WHICH ARE ACTUALL " MY '' INVESTMENTS '' ... THEY TURNED ME INTO A DEBTOR BY AND THROUGH IDENTITY THEFT TO MOVE ME OUT OF THE ROLE OF INVESTOR Im neither the consumer debtor nor consumer obligor, Im the principal/ issuer of the asset securing payment for my service and you are directed to credit my account
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I sent a letter to Equifax disputing the XXXX XXXX XXXX account as being outdated information, and to date XX/XX/XXXX I have yet to get a response, In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C.

1681c ] reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired as of XX/XX/XXXX. 
I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed several accounts on my credit report, all of which I beleive are fraudulent. I have asked for written proof, and not just a statement showing that I owe this money. I have not received any doucmentation. To add insult to injury my credit score keeps going lower and lower.

I filed a complaint with the CFPB regarding all these accounts and one was removed and closed, and the other two were stated as valid. Agian WITH NO PROOF! How do I get this corrected since I firmly state that I do not owe, and no one will provide written proof, but keep saying I owe. I need the CFBP to correct this issue!
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX a claim was submitted to the Underwriter : XXXX XXXX XXXX that handles XXXX XXXX for apartment communities. The coverage was XXXX but I was responsible upon move in for a non- refundable premium of {$170.00}. I was scheduled to be evicted in XXXX of XXXX. The rental office XXXX XXXX, who is managed by XXXX and XXXX, gave me a call the next month XXXX XXXX XXXX to ask why did I move and that eviction was canceled. Her name was Ms XXXX. My monthly rent was XXXX monthly. The unpaid rent charges that were submitted by XXXX and XXXX were {$3.00}, XXXX and damages of XXXX. = to {$4700.00} and the the XXXX should have covered {$1000.00} leaving me with a balance of XXXX to owe to the community. Hunter Warfield which is the collection agency is charging interest, totaling {$460.00} as of XX/XX/XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am so feed up with trying to get this issue resolved 1 ) I attempted to make payments to the XXXX XXXX, which they refuse to cash. The first payment was returned to me right before I went on vacation for XXXX weeks. The other two I don't know what the status is other then my bank has cut them a check and they still haven't cashed them but reported me to the credit bureau as delinquent and credit score when from exceptional to good in one day. 
2 ) Never could get in touch with the anyone in XXXX XXXX, had to go the office manager at the XXXX XXXX XXXX, who also got the run around from XXXX  XXXX. Eventually the issue is that there was a digit missing from the account. Expressed my concerns and was told to file a dispute. I attempted to file on the website provided and the the site wouldn't accept my complaint. 
3 ) I cut a fourth check for the balance owed. 
4 ) I filed a complaint with XXXX, but have been unsuccessful to submit any supporting documentation. Called, the company and they said that it must me my cookies in my computer but try again. Which I have without success. 
5 ) I find out that I now have to establish an account with all the other credit rating services that are out there and go through that process. I attempted to got to XXXX XXXXXXXX XXXX website to file and it became very difficult and cumbersome. 

Any assistance in getting this matter cleared up would be appreciated.
Complaint sub-issue: Account status incorrect

Under 15 U.S. Code 1681d2 ( 2 ) Exclusions - any reporting containing information soley as to transactions or experiences between the consumer and the person making the report. ( XXXX ) the term " consumer report '' does not include ( A ) subsection with information being transformed between reporting agencies and consumers. This is in violation of my rights. XXXX, Equifax XXXX XXXX reported that they have verified all accounts but that is not true as for as charge offs and late payments from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

How can you verify when you have several accounts that are paid/closed and still being reported as negative? Also, you have accounts listed as being late without providing proof of investigation procedures used to report these derogatory items on my consumer reports.

15 U.S. Code 6802 ( a ) I did not receive any written or oral consent option to give any non-public information such as transactions to third parties such as the consumer reporting agencies. 
Per standards of FCRA and XXXX XXXX anything reporting must be 100 % completely accurate, and verifiable which they are not. I demand a Cease and Desist to remove all negative items, such as Charge Offs and late payments as paid as agreed immediately.

With the latest news of the misrepresentation of information being incorrectly reported by both XXXX and Equifax with their law suits. I do not trust that my consumer reports are being handled the right way and I would like for them to be corrected.
Complaint sub-issue: Information belongs to someone else

It has been a battle going through this and I am writing to delete the following fraudulent information inmy file. The items I need deleted are listed in the report. I am a victim of identity theft and did not makethe charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft ofmy identity to the Federal Trade Commission and I also have enclosed copies of the Federal TradeCommission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or givenanyone access to my private and confidential records and certainly not the alleged with the items listedbelow. ) showing on my credit report. I, therefore, request that you immediately remove this accountfrom my credit report with your firm, or provide me with the exact source where you received suchinformation, so I may take appropriate legal action. Please delete these items as soon as possible. 
XXXX XXXX XXXX XXXX, A XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifazx and XXXX are reporting that my credit score is being impacted by the credit inquiries on my file. The inquiries were part of mortgage rate shopping when I was buying a home in XXXX XXXX. 

I called Equifax complaint line and the representative suggested that they can not do anything about it and that I need to wait until they fall of my report in XXXX / XXXX of XXXX. 

Its unfair that mortgage rate inquiries are reported to be impacting my credit score and staying on my file for 2 years and affecting my credit score negatively. This is detrimental to the dream of being a home owner.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
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