Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is incorrect

The information attached to the information below is incorrect and invalid, the incorrect reporting has affected my day to day living. 

DEP/ED XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I visited XXXX XXXX XXXX to be added to my aunt 's checking account as an authorized user. I was told there was an account from BB & T that does not belong to me, instead belongs to my mother. My mother, XXXX XXXX, filed for bankruptcy Case # XXXX on XX/XX/XXXX and debt was discharged in XX/XX/XXXX. However for some reason, this is showing on my XXXX report. This is not my account and I was a minor..
Complaint sub-issue: Credit inquiries on your report that you don't recognize

EQUIFAX INFORMATION
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX

RE: INVESTIGATION HARD INQUIRIES
15 USC 1681i
15 USC 1681b
15 USC e(b)

ON XX/XX/XXXXEQUIFAX STATES ITS AGENCY HAS COMPLETED ITS INVESTIGATION INTO EACH HARD INQUIRY. EQUIFAX ALSO STATES THEIR AGENCY HAS CONTACTED EACH CREDITOR LISTED IN MY DISPUTE 0N XX/XX/XXXX I APPRECIATE EQUIFAX INVESTIGATION INTO EACH HARD INQUIRY LISTED IN MY CONSUMER REPORT. I ALSO APPRECIATE EQUIFAX CONTACTING EACH CREDITOR TO VERIFY I GAVE MY WRITTEN CONSENT TO EACH CREDITOR TO OBTAIN A COPY OF MY CONSUMER REPORT. UNFORTUNATELY, EQUIFAX FAILED TO SEND ME ALL VERIFIABLE PROOF FROM EACH CREDITOR THEY CONTACTED, AND RECEIVED THEIR VERIFIABLE PROOF I GAVE MY CONSENT TO EACH OF THE CREDITORS TO PULL MY CONSUMER REPORT. EQUIFAX PLEASE SEND ME YOUR METHODS OF VERIFYING EACH HARD INQUIRY WITH EACH CREDITOR. EQUIFAX SEND VERIFIABLE PROOF EACH INQUIRY WAS INITIATED BY XXXX XXXX/Consumer. EQUIFAX PLEASE SEND ME EACH CREDITOR VERIFIABLE PROOF WITH MY WRITTEN CONSENT TO HAVE EACH CREDITOR OBTAIN MY CONSUMER REPORT AS SOON AS POSSIBLE.  NO LATER THAN 15 DAYS PER YOUR INVESTIGATION RESULTS. I AM ALSO REQUESTING EQUIFAX  DATA FORMS BETWEEN EACH CREDITOR WITH HARD INQUIRIES LISTED ON MY CONSUMER REPORT. PLEASE SEND ME EACH EQUIFAX AND CREDITORS ACDV-AUTOMATED CREDIT DISPUTE VERIFICATION  AUD/UDF- AUTOMATED UNIVERSAL DATA FORM.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I submitted a CFPB complaint against Equifax due to some inaccurate inquires they are displaying on my credit report. In the response from the company they stated that they did an internal review and mailed me out a letter. They never did any review and never sent me out anything. Furthermore I have been contacting them for months asking them where they are getting this information from and how are they investigating this issue and received nothing. I want to know how are they verifying this issue because I reached out to each creditor and they could not provide me with a signed application to see if the inquires are truly mine so this proves that Equifax is providing false information onto peoples credit report. They told me to reach out to Equifax to have them delete this error and anytime i do nothing happens. Not only this, but they are not responding to my letters. I would like this inquires to be deleted off my credit file immediately. 

Inquires : 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: Information belongs to someone else

This account was with XXXX XXXX. XXXX XXXX removed because it wasnt my account than the collection agency reported it on XX/XX/XXXX please remove off credit as soon as possible
Complaint sub-issue: Information belongs to someone else

i have sent these companies several disputes along with my federal identity theft report of fraudulent accounts on my credit report due to identity theft, i have not received a response or results from these agencies. my local law enforcement advised me to file a ftc report and send it to the 3 credit reporting agencies which i have done, but they have not investigated or removed these fraudulent accounts when according to FCRA SECTION 605B these agencies are tyo block any and all fraudulent information. i will be including a copy of my FTC report which is the only documents by federal law that i am required to submit when disputing identity theft, and i will be including my drivers license and social security card for identification purposes
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Personal information was stolen back in early XX/XX/2016and since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.
Complaint sub-issue: Account status

Equifax, the agency that just does n't play well with others ... I had XXXX mortgage, not XXXX back in XX/XX/XXXX with XXXX XXXX XXXX loans, it was an interest only ARM loan that I should not have ever agreed to. As the it adjusted annually and our incomes declined we sent in multiple requests for help, lost paperwork, lies, threats, disappointment and then more lies. At least XXXX trees worth of paperwork. then it was transferred, I swear at least 3 times, I received a notification it was being serviced by XXXX from XX/XX/XXXX thru XX/XX/XXXX. Eventually we hired an attorney and after 2 attempts, the loan was finally modified. These places were very understaffed and overwhelmed I am sure. Mistakes happen and mistakes were made, were all human. As you can see, even though we received a settlement from XXXX, XXXX XXXX still continues to retaliate or more likely Equifax never really checks, they just say, " oh, sure we did and that 's what they are telling us '' then I receive more secured credit card offers, we all know what they are doing. You can see FH reports separately from the current mortgage holder, so it appears as XXXX different loans. I had the other bureaus contact them and they are reporting XXXX as agreed with no lates. I made the less than full payments as required for modification and eventually they completed the modification, took from XXXX XXXX to XXXX XXXX but, they pulled through for us. XXXX is AWESOME! In turn, they are not reporting in error for the time it took to process and the fact I sent them over $ 40k to catch up probably helped. What Equifax is doing is just frankly really uncool to me, they should delete XXXX XXXX, the last payment was in XX/XX/XXXX anyway and report XXXX the way the other bureaus and us agreed it would be reported. Let 's all move forward. thank you always, you are really amazing resource for the consumer.
Complaint sub-issue: Didn't receive notice of right to dispute

This account reported to the credit bureau late XXXX to 60 days. when this account was open i was old this was not a credit base account. the creditor did not notify me that my account was not current. this account was placed on autopay in which a receipt was sent monthly stating that the bill was paid. No phone calls or letters that stated otherwise. 
I attempted to call multiple times to resolve the issue with no help just being passed on from XXXX person to another. This matter has caused serious mental distress being as though am due to settle on a home in the next XXXX weeks. I've been told this matter will correct itself and there's nothing more that can be done. 
in accordance with Fair credit reporting act XXXX  account ( Acima digital fkf simp ) and XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A states the right to privacy.

15 U.S.C 1681 section 604 A It also states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

This is a request to receive all documents used to verify this account and make it published on my credit report. This item is not verifiable and needs to be removed from my credit report. There has been a fraud alert on my credit since XX/XX/2019 and these items should have been verified via phone prior to putting them on my credit file. Attached is a FTC for the stated documents requested.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised on XXXX XXXX, 2017 Equifax generated a dispute investigation result which holds a negative account with XXXX XXXX on my credit report and I have NEVER held an account with XXXX XXXX. I have called XXXX XXXX twice and it has been verified that I hold no record with XXXX XXXX. There is nothing in XXXX XXXX XXXX file with my social security number nor my name based on the information I received from XXXX XXXX directly. EQUIFAX sent me a file dated XXXX XXXX, 2017 stating that XXXX XXXX " verified this item is being reported correctly. This is my third dispute on this matter. At this point I not only want this removed from my credit report but I I also want to know what punitive damages are available to me and how I can move forward.
Either XXXX XXXX is violating federal law right now by verifying false information. Or EQUIFAX is violating federal law by conducting false investigations and fraudulent reports. I strongly believe that Equifax did not conduct an investigation on the matter at all.
I am also contacting the Attorney General 's office concerning this matter.
Complaint sub-issue: Reporting company used your report improperly

accordance wit the fair credit Reporting act. The List or accounts below has violated my federally protected consumer rights tO privacy and confidentiality under 15 USC 1681 Account Number XXXX Name JEFFERSON CAPITAL SYSTEM , 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 _astrucions 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 An other adverse item of information, other than records of convictions of crimes wnich 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. 
Account Number XXXX Name JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2020 Responsibility Individual Account Account Type open Loan Type DEBT BUYER Balance {$290.00} Original Amount {$290.00} Original Creditor Past Due XXXX XXXX XXXX XXXXXXXX XXXX  {$290.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX Balance : {$720.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have provided my information to Equifax they told me 48 hours. Nothing has happened it has been over 2 weeks. What is going on? 
XXXX XXXX XXXX, XXXX XXXX.
Complaint sub-issue: Overdrafts and overdraft fees

I'm in the process of moving my account away from bank of the west. On XX/XX/XXXX, a payment I'd missed charged to the account taking it negative even though I have not and will never opt into overdraft protection. BotW have allowed the charge and charged a {$35.00} fee as a result.
Complaint sub-issue: Account status incorrect

On XX/XX/2020. I called Equifax to asked them why the XXXX 's account was closed on my credit report and had a comment that stated, " Account paid after foreclosure started '' on the account. When the customer service asked me where I pulled the credit report from and I told her from Equifax.com, and I am a Equifax Complete member. The representative stated to me that she doesn't see that the account is closed and it open on her end with no comments. Equifax customer service asked me to call XXXX 's to asked them about the account. I called XXXX 's and they told me that my account is in good standing with a {$0.00} balance. So I called Equifax over the course of three time in the week beginning XX/XX/2020 with no resolution to my problem. XXXX 's said that they will file a dispute but I told them that I do want them to file a dispute, because I will be applying for a mortgage soon. I feel like this something that should be settled quickly and it should not take 30 days to do so. This is Equifax mistake and they need to take ownership of it and correct the problem. This is only showing up on my credit report through Equifax.
Complaint sub-issue: Old information reappears or never goes away

I disputed account number XXXX with all three bureaus in XX/XX/XXXX. In XX/XX/XXXX the item in question was removed for each of my credit reports from all three bureaus. As of XX/XX/XXXX when I last pulled my reports for all three bureaus, it shows that this item was reinserted onto all three reports. As of today, well past the five days in which I noticed the item added back to my report, I have not received notice of reinsertion from any of the three bureaus.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My Citi VISA COSTCO card was overcharged for a taxi in XXXX, XXXX  XX/XX/2019. The amount disputed was incorrectly reported to the vendor and should have been {$160.00}. Citi VISA COSTCO will not correct the error because they already reached out to the vendor with the incorrect amount as per Supervisor XXXX. 

The cost of the taxi from XXXX to XXXX should have been XXXX Euro. The taxi drivers colluded in XXXX and added 2 additional parties and charged a total of XXXX Euro or {$500.00} for a 1 hour taxi ride. This was dishonest and fraud. The XXXX   Euro cost of the shared taxi should have been split 3 ways between the 3 parties at {$43.00} Euro or {$48.00} each. When I tried to resolve this with the taxi driver he was nasty and threatened me in front of my family. I had no choice but to pay.
Complaint sub-issue: Company closed your account

Discover Card closed my account due to two payments being returned and their inability to verify my identity. The payments were returned because the linked bank account was compromised from a lost debit card. I have always made all of my payments on time and have never had a late payment. Even after Discover account is close, I continued to make on time payments and the balance on the account is {$0.00}. As a service member, we sometimes do not get communication that our accounts may be compromised. 

Discover Card inability to verify my identity is because my address is a U.S. XXXX XXXX  Address for XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Residential Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I've been based overseas for years. If Discover Card is treating me like this, I can only imagine how they are treating other Service Members that resides XXXX I strongly recommend CFPB look into Discover Card practices.
Complaint sub-issue: Other problem getting your report or credit score

sent equifax a letter requesting a credit report XXXX  times, fust received a letter from equifax to get my credit report they want me to send them a copy of my drivers lic and social security card for the third time, this has been months and many calls to get this resolved to no end.i believe they are in violation of the law by not giving me my credit report.They are refuseing to take any online dispute, also they have my date of birth wrong, and added a sr at the end of my name.so at this point i can not get a copy of my credit report to dispute anything.XXXX XXXX  reports a equifax fios XXXX and at equifax site it reports XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  is falsely reporting two account on my credit report that is not mine at all. Ive tried to get them to investigate and verify and send me information proving or backing up the investigation. Ive written several certified mail pieces since XXXX and Ive managed to get the account removed from my report on the other credit bureaus but XXXX  will just not remove the obsolete erroneous inaccurate unverifiable account. Plus they wont tell me or send me proof of how they verified. Both accounts need to be removed Enhanced Recovery XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I received a qualifying payment letter on XX/XX/XXXX from FedLoan Servicing ( Account Number : XXXX XXXX XXXX ) that says they have evaluated my payment counts under the Waiver for PSLF when they clearly have not. Here is a quote from the letter and I will attach a copy : " Good to Know! The charts above display the total number of eligible and qualifying payments you have made ( out of the required 120 ) on your eligible loans for PSLF and TEPSLF, including any periods we have assessed as eligible or qualifying under the Limited PSLF Waiver '' I know the waiver has NOT been applied because I have at least 180 payments on loans from XXXX and at least 132 from loans dated back to XXXX. I do understand that the program began in XXXX.
Complaint sub-issue: Debt was result of identity theft

XX/XX/2020. I received a debt collection notice from Hunter/Warfield Corp., ( XXXX XXXX XXXX XXXX, XXXX, Fl XXXX ), a collection agency, on behalf of XXXX XXXX XXXX, XXXX Evidently, ( from Web search ) this is a property management company in XXXX , NC , demanding payment of {$1700.00}. 
I sent a letter ( XX/XX/2020 ), to Hunter Warfield indicating that this was most likely a fraud using my name and address. I asked for validating information : date and location of debt, copy of original transaction, and method of verification used by XXXX XXXX to verify the person 's identity, and other information validating this transaction. 
On XX/XX/XXXX, I received a letter from Hunter Warfield dated  XX/XX/2020 acknowledging receipt my letter, not complying with any of my validation requests. Instead, Hunter Warfield asked me for personal identification and any " supporting evidence of my claim of fraud. '' I have not complied with their request. 
This activity does not appear on my credit since I regularly keep all my reports frozen with all three reporting agencies. 
Last, and most important, I have never done any business, or had any business contact with either of the aforementioned companies until Hunter Warfield 's letter to me.
Complaint sub-issue: Deposits and withdrawals

I deposited a total for {$10000.00} into an 'interest ' account with BlockFi ( {$5000.00} on XX/XX/XXXX and {$5000.00} on XX/XX/XXXX ). They said that I could withdraw at anytime but it would take up to 7 days to withdraw. I tested this months after depositing and was able to withdraw {$2000.00} on XX/XX/XXXX. 
I just tried to make another withdrawal on XX/XX/XXXX and they are saying withdrawals are paused. but they never told me that they could pause withdrawals. I want my money back and they are not giving it to me. How can I get help? this is my life 's savings and I am incredible stressed out.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX, and I am writing to delete the following inaccurate and incomplete information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I have been a victim of identity theft and many accounts were established in my name without my knowledge or consent. The following information you have placed on my file has seriously affected my ability to obtain credit. Please be reminded that it is important for credit agencies to maintain accurate information per The Fair Credit Reporting Act. I have provided you with a Federal Trade Commission Identity Theft Report detailing the incident. I have been working with police and I have hired a private investigator to help stop the use of my name by someone who has stolen my identity. The following information does not belong to me and should be deleted from my credit file immediately.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Fraudulent/Negative Accounts : Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$320.00} Account Name : XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$7400.00} Account Name : XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$13000.00} Account Name : XXXX  XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I disputed unauthorized inquiries for not recognizing different lenders and I dont remember authorizing them to perform a hard inquiry on my credit report. And There are multiple other inquiries all within one day of each other on my credit report but I only authorized one of them. 

So i reported these unauthorized inquries to different credit bureaus but did not get any help.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : o XXXX XXXX  BANK XXXX XXXXXXXX Balance {$360.00} o XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my XXXX XXXX and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX