Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Equifax is reporting a corporate business account on my personal credit report. this is NOT my account, I never authorize this account. I have requested signed verification and proof that the account belongs to me however all they send is a generic letter noting " we verify account is valid '' with no backup. I wrote XXXX XXXX at the Executive Office of XXXX on XX/XX/2019 requesting proof and verification that the account is mine. They responded with statements for a corporation name XXXX XXXX XXXX, this is NOT my company. I send Ms XXXX another letter on XX/XX/2019 letting her know that this is not my company and again requesting proof and verification as required under the Federal Fair Credit Reporting Act ( 15 U.S.C. Section 1681 ). To date I have NOT received any respond to my second letter. It has been way over the 30 days require by law.. This is clearly a violation of the Fair Credit Reporting Act. For months I have been trying to get this resolve. Equifax has yet to provide the proper proof of verification require by the Fair Credit Reporting Act however they continue to report accounts on my credit report that is unverified corporate BUSINESS account and NOT mine. This has affected my ability to get a job, to get credit, to get my professional certification to help better my life. This has made it extremely difficult for me to provide for the basic needs for me and my family. I am in desperately in need of your help to get this company to remove the unverified accounts from my person credit report. They do not care how this is affecting me despite the numerous times I have reach out to them.
Complaint sub-issue: Deposits or withdrawals

On XX/XX/2007, I purchased a Certificate of Deposit from XXXX XXXX XXXX XXXX XXXX located in XXXX, Florida XXXX. The Account # is XXXX. The Amount is {$10000.00} Interest 4.780 for a term of 7 months. ( copy attached ) also have the Deposit ticket for {$10000.00} ( copy attached ). 
While going thru my safe recently I found these items in the back of the safe. 
XXXX XXXX has been taken over by PNC. I went to PNC about two weeks ago and was told that they have NO record of this CD. I would like to cash the CD. 

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

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is a problem with discover credit card. I have tried to resolve this problem I had so charges on my credit card that I didnt authorized. You see I had XXXX in XXXX 2016 most of my credit cards was paid off. I had severe complications the XXXX which I was in and out of the hospital for two years then I went to a XXXX for about six months or so after I got out and was made aware of everything my credit cards were stolen and I took action on this and I called the credit card companies and disputed the charges I also made a report identity theft. Most of the credit card companies took it off my credit report disputed it no problem Discover is giving me a very hard problem they are now taking legal action against me when I have asked multiple times for them to prove the charges and give me an itemized statement that has all the charges on there so I can go over them all they can produce is the top copy of my bill which includes the amount charges the late charges the interest and all that but nowhere in there is an item my statement I have made them aware of this and they still are taking legal action against me and I do believe this is unfair. They are saying that I owe over {$2000.00}.
Complaint sub-issue: Problem accessing account

On XX/XX/2021 N26 BANK FROZE MY ACCOUNT AFTER WINNING XXXX $ IN DISPUTES THAT WERE PERMANENTLY CREDITED TO MY ACCOUNT. THEY PUT MY ACCOUNT UNDER REVIEW & WILL NOT GIVE ME ANY UPDATE AS TO WHEN XXXX HAVE ACCESS TO MY MONEY ALL THEY SAY IS THERE IS NO TIMEFRAME & THEY ARE INTENTIONALLY TRYING TO KEEP MY MONEY FROM ME & IVE BEEN A ACCOUNT HOLDER FOR OVER 3 YEARS
Complaint sub-issue: Other problem getting your report or credit score

Upon requesting a copy of my Social Security Card, was locked out of Social Security Administration 's website  for failure to answer security questions correctly and subsequently locked out of Equifax for the same reason while preforming a hard check into my credit file. I called Equifax on XX/XX/XXXX and was asked if I had the correct social security number because, according to the customer service associate, every piece of information that I gave attached to my Social Security number was incorrect in their system. My name, my birthdate, my address, everything. At this point I am connected to global customer care to talk to someone in the fraud department. I am told I must send documents in proving my identity ( Driver 's license, pay stubs, W2, etc. ) and in return I will be provided with hard copy of my credit report which I will need to take to the police and let them know I am the victim of credit fraud. I was told by multiple associates on this phone call that I should email my documents with a cover letter addressed to XXXX. During this phone call, Equifax could not provide me with any information regarding my account. I I promptly scan and email all of my documents and a cover letter explaining my situation and on XX/XX/XXXX recieve an email letting me know that I must contact global customer care for further assistance. Upon calling global customer care, I am informed that none of my documents were recieved and they can not be submitted by email. The only acceptable way to recieve documents is through fax or post. I rescan everything ( drivers license, birth certificate, pay stubs, copy of 2018 tax return ) and attach a new cover letter and fax it to Equifax. After 7 days I reach out to make sure my documents were recieved. I am told that they couldn't read the scans and I must resend them by mail. At this point I escalate the call to a supervisor and am told the same thing, I escalate the call again and talk to a manager and am told that if I faxed everything to the correct number, I should recieve a letter in the mail informing me of next steps shortly. I am also told that based on the information I provided ( my name, address, birthdate, social ) that my credit file was able to be pulled up. The first time I called, I was told all of the information I had given was incorrect so I ask about this, but the manager refuses to disclose any information about my credit file to me during this phone call. A few days later, on XX/XX/XXXX, I receive a letter dated XX/XX/XXXX in the mail informing me that they were unable to locate my credit file with my information and request the same documents that I had already sent. Currently, I am still locked out of Equifax and am refused any information regarding my account. I have attempted multiple times to gain a copy of my credit report both digitally and through mail and have provided Equifax with every piece of identification I currently own. I have called multiple times and Equifax continues to give me inaccurate and misleading information regarding both their policies and zero information regarding my credit file.
Complaint sub-issue: Problem getting report or credit score

Equifax is unable to deal with a simple problem by providing the data to me by phone
Complaint sub-issue: Public record information inaccurate

I have filed a dispute with XXXX and equifax on my bankruptcy that they have listed. They have refused to remove it, after multiple disputes. I have even expressed that XXXX has removed it due to false information. They have the amount filed on incorrect. XXXX has it listed as I filed on {$0.00} and equifax has the amount more or less then what I filed for. I have stressed my concerns and even the possibility of a law suit if not removed. They have all come back stating that it is going to stay on my report and they have updated the information. However, they are not updating the information as stated in dispute summary. I would like this removed now since multiple disputes have resulted in the defamation of my name. I have gone back to school and I am unable to obtain personal student loans to help finance the completion of my degree. My next steps will be a law suit within the court systems if necessary.
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 U.S.C 1681 XXXX-Open XXXX XXXX XXXXOpen dateXXXX XXXX XXXX-Open date XXXX XXXX-Open date- XX/XX/XXXX XXXX XXXX-Open date XXXX XXXX XXXX ( Original Creditor : ( XXXX XXXX XXXX XXXX ) Open date XXXX XXXX ( Original Creditor : ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) -Open date XX/XX/XXXX 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information or any other adverse item records of convictions of crimes that 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: Debt is not mine

This debt was part of a business debt and not mine personally. The date the account was delinquent should be XXXX not XXXX and is over 7 years old. This is an attempt by a collection agency to keep the collection in force by changing the open date.
Complaint sub-issue: Their investigation did not fix an error on your report

On several occasions I requested that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX be removed from my credit report for unlawfully re-aged payment and charge-off dates Proof of Charge off Status are easily track via the credit reporting agencies own internal data and reports given to me. I never committed any act that trigger the re-aging of the account or starts the statute of limitations clock all over again. XXXX XXXX XXXX has submitted numerous dates as the Charge off date and has also submitted various updates to payment status. Due to situations beyond my control my last payment to XXXX XXXX XXXX was XXXX of XXXX. However XXXX continued to update as if payments were being made. XX/XX/XXXX. Later the debt was posted with new charge-off date of XX/XX/XXXX, then again as XX/XX/XXXX. The date that the creditor places the account for collection is not the basis for calculating the delinquency date. The collection date is calculated based on the consumers delinquency, not the creditors later actions. The Credit Reporting Agencies also makes it difficult to Request consumer disclosure file. The consumer disclosure file would assist me in providing proof of my claim. However when I have called the credit reporting agencies I have been told that I could only receive a credit report not my full disclosure file not even if I paid for it. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out my account was re-aged the Credit Reporting Agencies allowed XXXX XXXX XXXX to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. 

Re-aged charge-off dates according tot the Credit Reporting Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ).

Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt.

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX is removed from all Credit Reporting Agencies immediately
Complaint sub-issue: Reporting company used your report improperly

My personal data appears to be compromised because of the cyberattack on Equifax Inc. as confirmed by their service that checks for this ( www.equifaxsecurity2017.com ). I have never worked with Equifax directly, so I do n't even really know why they have my data, but that does n't matter now I guess. I do not know the full extent of what happened to my data, I am currently unable to view my credit report ( XXXX gave me an error when I tried to get my report and said to try again later ). This breach of my personal data is unacceptable and puts me at serious risk for identity theft and probably more.
Complaint sub-issue: Not given enough info to verify debt

enhanced recovery system corp is reporting on my credit without validation i call them and asked for validation which they could not proved
Complaint sub-issue: Was not notified of investigation status or results

Contacted the Credit Bureaus on XX/XX/XXXX - XX/XX/XXXX - Its been over 120 days no response from Credit Bureaus. No update on credit report, regarding false accounts. There's no obvious sign of re-investigation on unknown accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

I have had a credit with home depo CBNA for over four years with no late payments. Back in early 2020 i paid this account off but would still get email msg stating that a payment would be charged to my banking account because it was set on autopay. I called in to turn auto pay off. After this recent virus experience i noticed some of my credit cards where being reduced in credit due to inactivity. So i charged {$36.00} at home depo to show activity but i assumed my autopay was still on. After i received notice that i was charge a late payment i called home depo to explain what happened and asked for forgiveness due to oversight and to review my account to verify i was in perfect payment status. To no prevail they have repeatedly denied my request and feel this is being unreasonalable. Please help with this matter, simple mistake
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Information belongs to someone else

I have requested the following companies to validate their claim that I owe them and they have failed. I am not aware of any agreement that exists between myself and these companies. Please remove these accounts from my credit reports XXXX {$790.00} act XXXX XXXX XXXX {$470.00} act XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

communicated with the company XX/XX/19 - XX/XX/19 - Sent in affidavit of proof that it was not be that opened the account with a police report. Since then the company has not sent an responding information. Macys - Fraud Investigation Department XXXX XXXX XXXX XXXX XXXX, OH XXXX Account number ending in - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX USA ( XXXX ) XXXX ( This account is reporting paid off but this is not my account, I have never attend school here. ) I have never went and opened any account with this bank. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX The following I have never applied for. I Did not give any person or person of that company permission to run my credit. These inquiries are not mine. 

XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XXXX  XXXX XXXX, IA XXXX ( XXXX ) XXXX I also have filed a police report with XXXX Police department XXXX Report number is :XXXX
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B CHILD SUPP   XXXX B CHILDSUPPORT XXXX XXXX  XXXX XXXX B XXXX XXXX XXXX XXXX XXXX XXXX  XXXX B XXXX XXXX XXXX B US DEPT VETS  XXXX B US DEPT VETS XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX*
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.

15 USC 1681 Section 602 states, I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC1681c ( a ) ( 5 ) 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 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

1. XXXX, Account # XXXX 2. XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX 3. XXXX XXXX, Account # XXXX 4. XXXX XXXX XXXX XXXX, Account # XXXX Inquires : XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM Bus admin oda XX/XX/XXXX
Complaint sub-issue: Overdrafts and overdraft fees

The Bank Workers are not trust worthy. U.S. Bank inside XXXX XXXX in XXXX. And Also U.S. Bank on XXXX XXXX & XXXX XXXX. I am sorry for Banking with U.S.BANK AFTER ALL. CROOKED WORKERS ARE REALLY DECEITFUL WITH MY CHECKING ACCOUNT. information PROVIDED THROUGH MY MONTHLY STATEMENT ILLICIT AND CONSTERNATED BADLY. BY WAY OF REINSERTED INFORMATION HAS BEEN DONE PREVIOUSLY BEFORE. WHEN I WALK UP TO ( ATM ) MACHINE TO CHECK MY ACCOUNT BALANCE. THE WORKERS ADDED UP TO {$7.00} DOLLARS CHARGED. THIS IS RIDICULOUS, CROOKED TYPE OF INDIVIDUALS WORKING ON MY BANK ACCOUNT. I'V NEVER SEEING ANYTHING LIKE SO BEFORE. REALLY CROOKED DECEITFUL U.S. BANK WORKERS. I WONDER WHERE THEY COME FROM, AND WHAT COLLEGE THEY GRADUATED FROM. IT DEEMED EVIL, EVILDOERS TYPE OF WORKERS IN U.S.BANK. I COMPLAINTS SEVERAL TIMES BEWFORE ABOUT U.S.BANK WORKERS DECEITFUL ACTIVITY TO MY BANK ACCOUNT. I WONDER IF THEY ARE NEW IN OUR COUNTRY. ACCORDING TO THEIR DESPERATE TO FNAGLE ME AND MY BANK ACCOUNT ILLICITLY. IS A LAW VIOLATION. FURTHERMORE ; MY PENSION DEPOSIT GOES IN THE XXXX  OF EACH MONTH. UNLES OTHERWISE THE XXXX   FALLS IN SATURDAY, SUNDAY, OR HOLIDAY WILL BE IN BEFORE THE XXXX  THEN. THE WORKERS MIGHT TRY TO TAKE ADVANTAGE OF ME BECAUSE I AM OLDER MAN. AND MY SWEETHEART WIFE XXXX XXXX XXXX PASSED AWAY XX/XX/2019. THIS HURTS ME BIG TIME, ADDING TO MY PAINS U.S.BANK WORKERS TRYING TO FINANCIAL FINAGLE ME AND MY BANK ACCOUNT IS A LAW VIOLATION PERIOD. IN ADDITION ; MY XXXX  XXXX 4  YEARS COLLEGE  XXXX. ALSO WORKING AS A XXXX XXXX  AT HER JOB. BUT I DO NOT WANT TO BOTHER MY CHILDREN UNLESS SOMETHING SERIOUS THAT I NEED THEIR HELP WITH OF COURSE. I AM TRYING TO DO EVERYTHING ON MY OWN. TO KEEP ME GOING OTHEWRWISE. SURE APPRECIATE ANY STRICT SCRUTINY INVESTIGATION TO MY CHECKING ACCOUNT ARIGHT. THANK YOU, GOD BLESS.
Complaint sub-issue: Information belongs to someone else

What Is the Fair Debt Collection Practices Act? The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XX/XX/XXXX
Complaint sub-issue: Debt is not yours

I.C. System Collections is attempting to collect a debt for XXXX. This is the 3rd time a collection agency has tried to collect a debt for XXXX for a account that XXXX keep claiming I have in the state of Florida. I recently filed a police report that was sent to XXXX yet the company is still sending collection agencies a a debt that don't belong to me.
Complaint sub-issue: Need information about my balance/terms

I filed chapter XXXX bankruptcy. My plan was a XXXX % plan with a special provisional to pay all school loans XXXX %. XXXX school loans were involve : XXXX claimed that I owed {$38000.00} I paid the full amout that they claimed that I owed. Texas Guaranteed claimed {$31000.00} I paid the full amount that I owed. Now that my case is discharged ( Paid in full ) both companies sent me bill over {$10000.00} each. Total over {$20000.00}. I have contacted them, My attorney has sent the court documents stating that my plan was a 100 % plan with a special provisional to pay student loans XXXX %. Neither company has given me any proof that I owe them money. They have not been able to proof that I Owe them any money nor can they prove they explain the amount that I owe. I am concerned and confused. Please help.