Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been trying for months to get this company to remove it's inquire from my credit report. I did not request a credit card from them, they refuse to submit documentation of proof of an application from me, despite numerous letters sent asking for this proof so that it can be review. I have put alerts on my credit reports since the breach. I want proof from this company that an application was submitted to them, if so then I can use it as proof that my information has been compromised.
Complaint sub-issue: Not given enough info to verify debt

This company has failed to provide me verification and validation of debt. This also needs to be update on my credit as disputed. This is not my debt and I am demanding proof of this debt. Also this agency must be license and bonded to collect in the state of Texas. I have attempted to contact this company but continue to go to a voicemail. I need proof this debt is mine. Date of Service something bearing my signature and in general what this was for? The last XXXX of my social are XXXX and date of birth XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I believe that someone stole my identity and this loan belongs to someone else.
Complaint sub-issue: Problem with fees

Since living in XXXX, I have had numerous issues with the PNC at XXXX in XXXX. The latest is that they tacked on an {$85.00} fee as this is the 'second year ' that I have had this credit card and they charge every year except the first, according to PNC .

However, I had been with PNC in XXXX for 6 or more years and had had the same card all that time, with no fees tacked on at all. I had an excellent relationship with the PNC in XXXX, XXXX, and had no problems with them. 
I believe that they are fleecing me over here - my friends who are with other banks think that maybe PNC over here has financial problems, or perhaps that they are taking advantage of me because they know about my funds at another financial institution. 
You have not yet helped me with this bank, and I believe that they are taking advantage of me. Also, I am XXXX years old, and should be protected by someone.
Complaint sub-issue: Debt was paid

I recieved a letter stating that i owe this debt i called .the people at the agency kept transferring to different departments when i did get a whole of someone im telling them i paid this .they were rude saying i need to pay i told them i have proof. The lady said with a attitude well its not my debt. After i tried and tried to reach out no answer. Im very upset because i settle this through a settlement with Citi bank
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX, KeyBank withdrew {$7000.00} from my bank account. When I noticed the withdraw they first treated the problem as fraudulent activity. However, they realized they we were the ones that actually took the money out of my bank account. The bank states this is the Right to Offset for a private student loan from 10 years ago. I had no prior knowledge of this loan, nor was I ever contacted about the loan. When I began looking into the problem and asked for documentation the bank was only able to provide me with a promissory note dated back in XXXX. I asked the bank to show proof of statements that were sent to me and they do not have any. The bank included paperwork that makes it appear that the loan was sold to XXXX XXXX XXXX XXXX and then sold back to KeyBank, When XXXX XXXX was contacted they were unable to find any information regarding the loan in collections or recovery. They stated they never had serviced the loan. KeyBank now refuses to return the {$7000.00} and is asking for another {$6000.00} to satisfy the loan. When KeyBank used the Right to Offset they made my mortgage bounce making my bank account go into the negative {$2000.00}.
Complaint sub-issue: Confusing or misleading advertising about the credit card

In XX/XX/2015, I went to BestBuy during tax free weekend to purchase a laptop for college. At checkout, I was offered a BestBuy credit card and was told there would be no minimal payment for the first 12 months by the casher who signed me sign up for the card. I signed up and purchased my laptop through the card because it was a no brainer. Since I was going to college, being able to pay for the laptop overtime later on was helpful at that time. I moved to XXXX XXXX to go to college soon after. I did not receive any mailed statements from BestBuy while at XXXX XXXX because they were being mailed to my old address. It was not until I noticed a huge drop in my credit score that I looked into the problem and discovered it was the BestBuy/citibank credit card reporting that I had not made any minimal payments. I immediately called BestBuy explained what I was told by the cashier at their store when I signed up for the card. All the lady did was take off one month 's late payment. I went ahead and paid in full and closed the account. However, they are still reporting 60 days of " delinquency '' in my credit history which is affecting my credit reports and score. It has almost been four years since this happened and I have called BestBuy to try to resolve this with them several times. I have also filed multiple disputes through the credit bureaus but none have been successful.
Complaint sub-issue: Information belongs to someone else

Please be advised this is my SECOND COMPLAINT and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be  verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious  consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Elan Financial is reporting on a debt that is not mine and I do not owe. I have never opened this account. It is not mine, and I have never had any accounts with them. Not only is this debt a fraud account, it is also past the statute of limitation and needs to be removed off of my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Complaint sub-issue: Their investigation did not fix an error on your report

After receiving and reviewing the results of a recent dispute sent to Equifax. I am confused on the response from the bureau. I had my XXXX file suppressed in XX/XX/2018 ( see enclosed attachment ). However, the correspondence dated XX/XX/2018 under Confirmation # XXXX states that Equifax verified their recording of my dispute with XXXX. 

Due to this development, I am know requesting the method Equifax used to verify certain items on the credit file dated XX/XX/2018 under confirmation # XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request the bureau must provide a description of the procedure used to determine the accuracy and completeness of the information. This includes, but not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following account : XXXX XXXX  XXXX XXXX ID # XXXX As stated in FCRA 611 ( a ) ( 7 ) the bureau must provide this information no later than 15 days  after receiving this request. It is amazing that Equifax through their reinvestigation is using a third-party file that is suppressed to verify a dispute. This appears a real violation of the Fair Credit Reporting Act codes.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021 I mailed a letter about questionable accounts on my credit report. It has been past the time that the FCRA allows for an investigation and I still haven't received any correspondence.
Complaint sub-issue: Debt is not yours

I scheduled service on XX/XX/21 for internet to be connected at XXXX XXXX XXXX, XXXX XXXX On multiple phone calls I stated that we must have a static IP address and was assured we would have one. My wife works from home so prior to moving we also called in to confirm the appointment and once again request a static IP as she would not be able to work without one. 

On XX/XX/21 the technician came out and did the install and when she asked him to write down the static IP down for her, he told her that there wasnt one. XXXX had sent out a Residential technician and not a business technician. I have spoke with them multiple times because this was an error on their part. We established on every phone call with XXXX that we would require a static IP address. They are trying to collect the residential setup fee but it it not our fault they made an error. My wife repeatedly made me double check that we would have static IP. 

I called and was assured that this was a mistake that the account was set up incorrectly and the residential account would be canceled nothing to worry about. They sent a technician out to provide the static IP address on XX/XX/21. My wife missed 2 full days of work due to a mistake by XXXX.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account : Individual Account Date reported XX/XX/2022 Account status Unpaid Creditor Classification Cable/Cellular Original amount owed {$1000.00} Original creditoXXXX XXXX XXXX Date assigned XX/XX/2022 Agency XXXX XXXX XXXX XXXX Status XXXX XX/XX/2022 Delinquency Date of last payment Balance owed {$1000.00} Comments Consumer Disputes Reinvestigation In Progress Balance date XX/XX/2022 Date of first delinquency Agency contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have a credit card account with XXXX  showing on my credit report that doesnt belongs to me. Im sure this account was fraudulently opened and I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.
Complaint sub-issue: Information is missing that should be on the report

In accordance to The Fair Credit Reporting Act, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. XXXX  account no. XXXX, is being reported by Equifax XXXX ( no other credit bureau is reporting this account ) however there is no name for the collection agency nor any contact information for me to have this debt verified!
Complaint sub-issue: Their investigation did not fix an error on your report

There was a credit card opened in my name through XXXX XXXX XXXX XXXX, I did not authorize anyone to do this. I have had several accounts with fraudulent use on them and have since corrected them. I have reported to all credit bureaus to remove this account from my credit report. Equifax is the only one that will not budge. On top of that I have received two credit reports that are still reporting this account and have conflicting information on them and it is killing my credit report. One version of the credit report said the card was open XX/XX/XXXX and the last payment was made XXXX/XXXX/XXXX. The other credit report says it was opened XX/XX/XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

I have a student loan held by XXXX XXXX which until recently has been serviced by XXXX XXXX. With the merger of XXXX XXXX and Nelnet, management of my loan was released to XXXX XXXX. Within a month of the transition XXXX permanently raised my monthly payment without explanation or disclosure of the financial impact. I contacted XXXX for explanation of the change and full disclosure of adjusted terms of the loan. Customer service was only able to suggest that there had been an interest rate change which XXXX XXXX had for some reason chosen not to process which would now be applied by XXXX. No disclosure of the impact of this change, either monthly or in the life of the loan, was offered or provided. This is basic information. It is very clear that XXXX would prefer to raise rates without explanation and at their own discretion.
Complaint sub-issue: Contacted your employer

RNN Group rep XXXX, a manager, has contacted my employer for over a week and my manager has requested repeatedly that RNN Group not call and they are not releasing any information without written consent from an employee. I have called the number back only to get a voice mail every time. I have left voice mail requesting them to stop calling my work. Today XX/XX/2019 they have contacted my employer three times. XXXX is requesting my social, birth date, work hours be verified.
Complaint sub-issue: Investigation took more than 30 days

I have wrote Equifax on XX/XX/2019, XX/XX/2019, and again today on XX/XX/2019 in regards to hard inquiries that were not authorized and a negative account that all should be removed. It has been now going on 60 days. My disputes for the same issues however, with the other two bureaus have been updated and removed. Equifax is violating FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

Submitted a dispute for all three-credit bureaus to investigate the inaccurate accounts on my credit files they all were given 30 days to do a proper investigation, all 3 bureaus took 60 days ' plus, I had the XXXX Credit bureau use the excuse that we were in Litigation, which was a total stall tactic, the other Two bureau 's stated that the accounts have been verified without send me any supporting documentation as requested. 

The following accounts need to be deleted from my credit files : 1.XXXX XXXX  XXXX 0042****payment history not 100 % accurate. 
2.XXXX  XXXX # XXXX payment history not 100 % accurate. 
3.XXXX  XXXX # XXXXpayment history not 100 % accurate. Two different account numbers. 
4.XXXX XXXX XXXX XXXXXXXXpayment history not 100 % accurate. 
XXXX. XXXX  XXXX # XXXX*Dockett # XXXX Different dates and no proof provided after supposed verification these have been deleted from Equifax. 
7. XXXX XXXX # XXXX This account only remains on XXXX the account is over 7 years old and has a inaccurate payment history also is a charge- off with a balance and stil a open account reporting this account is not 100 % accurate. 
8.XXXX XXXX XXXX XXXXXXXX the payment history is not 100 % accurate, also this is a charge off account reporting as still open with two different balances.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, CA ; XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX Balance : {$580.00} ; XXXX  XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$480.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX. XXXX, XXXX Original creditor : XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX  / XXXX Balance : {$240.00} ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Garnishment stopped on Case XXXX on my wifes account, XXXX XXXX XXXX took garnishment on my account, and i closed the account, now they are garnishing my wages over fees charged to an account i have not used in years, they disharged the garnishment on my wife, why are they taking money for a case that was discharged XXXX Why am I liable for a case that was discharged
Complaint sub-issue: Their investigation did not fix an error on your report

There is inaccurate information on my credit report. I have tried to resolve this matter with this company and they have failed to resolve the issue or provide me with the verification details therefore they are not in compliance with FCRA laws.
Complaint sub-issue: Information belongs to someone else

THESE ARE FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE FRAUUDLENT ACCOUNTS FROM MY CREDIT PROFILE.
Complaint sub-issue: No notice of investigation status/result

My name XXXX . XXXX XXXX. I had a tax lien on my credit. The attached documents show that the debt is settled and I have a XXXX balance. 
I contacted the XXXX major Credit bureaus, Equifax , XXXX, XXXX with the attached documents but they validated the accounts as being unpaid. 
I also contacted the California Franchise tax board the asking them to contact the bureaus letting know my account was current. I was told that, that is NOT a procedure they do. They also informed me because privacy act laws they do not correspond with any third parties. My question is how could the XXXX bureaus legally, and thoroughly validate the account, if they have not spoken to anyone?
Complaint sub-issue: Problem with fees

Hello, The credit card that I have never sent me any statement for a while therefore, I never got any notification about paying my bill till I got a letter saying that I owe {$27.00} late fee and {$3.00} in interest. I called the bank to sort it out but they said that they will file a complaint and get back to me. Weeks passed and I see another {$38.00} late fee and {$5.00} in interest added to my account. I call again and they mentioned that there were no complaints that were filed and nothing would happen. They said that they will submit another complaint and get back to me. Someone finally got back to me today telling me that I setup online statements on my own which never happened and they won't be able to refund the fees and I have to pay them. I asked to speak to a manager and they promised a call back but I got nothing. As of today, XX/XX/2019 XXXX XXXX, there is an amount of {$74.00} in fees in my account. I am afraid this will keep increasing with no resolution and dont really know who I should contact. I really never want to use this bank again due to the frustration that they cause to people. I am glad that I am not too old and have to deal with this as this may cause serious health issues to an elderly person. 
Please let me know if you need me to provide any proof or any other info.
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. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX CARD-Date of Inquiry XX/XX/XXXX XXXXDate of Inquiry XX/XX/XXXX
Complaint sub-issue: Right to dispute notice not received

Company did not remove the dept from credit report as agreed
Complaint sub-issue: Information belongs to someone else

These are not my accounts. Please remove them among the few others I submitted on the other report. Thank you.
Complaint sub-issue: Information belongs to someone else

There are multiple items on my credit report thats inaccurate I would like to be remove since XXXX until now
Complaint sub-issue: You told them to stop contacting you, but they keep trying

XX/XX/22 I submitted a cease and desist to RAGAN & RAGAN and they are not complying with the FDCPA by still communicating with me and without my prior consent to do so pursuant to 15 USC 1692c. RAGAN & RAGAN have claimed to have sent verification for the validation of this alleged debt. Courts found in XXXX XXXX  XXXX XXXX the documentary evidence sent are not sufficient to validate a debt. Validation requires presentment of the account and general ledger statement signed and dated under penalty and perjury by the original party responsible for maintaining the account. There should be no communication or attempt to collect this debt going further.