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

To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days any request for more time is a violation under the fair credit reporting act As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete.

Thank you, 30 days Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately  : Account Name : XXXX XXXX XXXXReason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. Account Name XXXX XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. Account Name : XXXX XXXX  XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. Account Name : XXXX   XXXX. Reason : You failed to verify and validate all data for this account,
Complaint sub-issue: Their investigation did not fix an error on your report

I'm sending a complaint in accordance with the Fair Credit Reporting Act 's guidelines to ask that the accounts, which I believe to be erroneous and incomplete, be looked into right away and REMOVED on my credit report. I think Equifax has not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I am not legally responsible to pay the credit card bill or any debts that build up as an authorized user. This information seems to be confusing. I need this to be removed immediately! 

XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I completed a soft inquiry pre approval with XXXX  mortgage. They instead ran a hard credit inquiry and have denied it. I verified with CredCo and XXXX that they not only ran a hard credit pull on XX/XX/XXXX they also pulled a second hard credit pull on XX/XX/XXXX. I never received a 30 year loan estimate and never gave authorization to proceed in the loan process. XXXX  will only talk to me by email and want paper documentation of the hard pull. I provided a screenshot of my experian and they still denied the hard pull ( s ). CredCo is willing to do a 3 way call to vouch on my behalf because they can not issue paper documentation directly to me- but when we waited on hold with better mortgage XXXX refused to come to the phone.
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. 

Account name : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX 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: Didn't receive notice of right to dispute

I contacted debt collection agency to settle the debt, they refused to take my call said they only do it through email. i emailed the company and they did not respond. I repeat called asking to have this resolved and handled. They were rude and refused to speak with me hung up on me. They have hung up on me and refused to speak to me civilly to handle debt. they have blocked my number and refuse to speak with me to allow me to pay off debt. the man I was told was the only one who could handle my account cut me off from speaking several times and hung up on me. I have never heard of a company that refuses to let you pay it to have it taken care of. I understand that companies do not have to take a settlement however, they should allow me to be able to pay the balance to begin with
Complaint sub-issue: Information belongs to someone else

equifax reporting inquires that are not mine wont send me credit report to see whats on there cra violation
Complaint sub-issue: Received bad information about your loan

It's been many years, so forgive me if I'm rusty on some of the details. 
Once I began paying down my XXXX and XXXX school loans, the company in charge of them was Nelnet. 
I struggled to find a well-paying job, and every year, when the loan amount that I needed to pay would jump to $ XXXX, I had to call in to ask for a lower payment amount. 
Every time, they would simply ask me how much I could pay, and regardless of how low a figure I mentioned ( {$200.00}, {$300.00} ), they would simply say " OK sure, we'll put you down for $ XXXX. Or, I would apply for the income based repayment plan, again with no issues. 
I was thrilled with the lower payments. Naturally, I figured I was hardly paying down any principal, but my only experience with debts to that point had been with credit cards, where as long as you paid a minimum amount, the principal would be going down ( albeit not by much ). 
Unfortunately, what no one EVER mentioned or explained was that something called negative amortization existed. 
Instead of lowering my principal by pennies, I was in fact ADDING the unpaid interest to my principal balance! 
Student loans are so depressing that I stupidly didn't pay attention to the principal balance for years, just making sure I made my minimum payments on time. 
Until one day I noticed the balance and figured out what happened. From there, I scrambled with my finances trying to get it to manageable levels. It took a VERY long time just trying to pay down all the excess interest I had piled up! 
This predatory behavior is directly aimed at fresh XXXX and needs to be amended immediately.
Complaint sub-issue: Account information incorrect

The original amount is {$180000.00} and the balance is {$70000.00}. I've included a screenshot of my account to show the balance and original amount awarded. I have tried to dispute it with the credit bureaus but they claim this information is not new while that is true they keep changing it to reflect negatively.
Complaint sub-issue: Information belongs to someone else

FCRA violations: addresses not mine
XXXX XXXX XXXX XXXX XXXX, TX XXXX
Resident type
Single family
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

FCRA violations: payments never late
XXXX XXXX XXXX
Potentially negative
Date opened
XX/XX/XXXX
Balance
XXXX
Status
Open.

FCRA violations: accounts not mine XXXX  Potentially negative
Date opened
XX/XX/XXXX
Balance
-
Status
Closed. XXXX written
XXXX XXXX XXXX
Potentially negative
Date opened
XX/XX/XXXX
Balance
XXXX Status
Collection account. XXXX
Complaint sub-issue: Personal information incorrect

Equifax is reporting inaccuracies, Incorrect, Unverified and Unauthorized accounts in my report. I have been sending letters to the company since XXXX Equifax  - XXXX XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX It is over 30Days and no response or report of investigation, According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 30days, so they should be deleted immediately.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2019 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

I was promised by several representatives from XXXX XXXX XXXX XXXX Department that they were able to remove late payments from XXXX XXXX. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the  representative that I spoke to name is XXXX on XX/XX/2018, reference # : XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Discover Card needs to 1. Delete any and all negative information that they posted on my account and/or in my credit file. 
2. Delete all charges posted by XXXX and/or Discover Card. 
3. Send me a letter that this has been taken care of as requested.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial disupte was sent on XX/XX/2020 and 30 day letter to comply was sent on XX/XX/2020.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Today, XX/XX/2020, I checked my credit file and noticed I have 14 unauthorized hard inquiries. To my knowledge I have Never signed any documents authorizing these companies to pull my credit. I am working individually with each company to get them removed. These unauthorized inquiries are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). Since these inquiries are unauthorized I have filled an Identity Theft Report with the FTC. Included with this complaint are : FTC Identity Theft Report, Letter to XXXX, FCRA 605b, Drivers License, Social Security Card, and Proof of Residency. These forms are to serve the purpose to identify myself which are required by the FTC for my Identity Theft Report.
Complaint sub-issue: Overdrafts and overdraft fees

It all started with an overdraft onXX/XX/XXXX of {$30.00}. At the time I wasn't aware of the low funds in my account and didn't even realize that I had overdrafted my account. Later that day, I purchased some groceries and it amounted to roughly {$50.00}. The next day, I was hit with 4 overdraft fees, I was not notified of this in any way : no email, no call, nothing. There was also a pending charge from a purchase that I had made earlier that week that had disappeared from my virtual wallet account and popped back up on XX/XX/XXXX, and that hit my account with another 2 overdraft fees. It wasn't until XX/XX/XXXX that I was made aware of my overdrafts via email, on this same day I had accumulated another 3 overdraft fees. I made a call to PNC and explained that I had never been notified for the overdrafts ( also the disappearing pending charge on my virtual wallet, this would make the second time that I have been charged multiple overdraft fees for a pending charge that disappeared, then reappeared. I was never notified of those overdrafts either ), and that I wanted to speak to a XXXX about having the fees frozen, that way I could pay them before they piled up too high once I received my next paycheck. I was told to leave my phone and social security number with the representative and that a XXXX would call me back within the hour. I never received a call, so I called back the following day and was told that the fees would be stopped so I could pay them. PNC continued to hit my account with DAILY FEES even after telling me that the fees would be stopped. My account had daily overdraft fees charged to it from XX/XX/XXXX to XX/XX/XXXX on the day of my direct deposit from my job. A total of {$470.00} was deducted from my account virtually financially crippling me for this month. I knew calling PNC was not worth the frustration due to the fact of them continuously ignoring me and giving me the run around on this situation. After my second encounter with the problem of disappearing pending charges and not being notified of overdrafts, I became so displeased with PNC and how the situation was handled ( their lack of customer service ) that I had no choice but to make a complaint.
Complaint sub-issue: Account information incorrect

XX/XX/2015 I submitted my application for a repayment program I was previous apart of with Fed Loans Servicing. This was a yearly renewal which I completed over the phone with a representative then, logged into my online portal to electronically sign my application. The representative told me it may take a while for the renewal process to start so I requested to file a forbearance  for the following three months XX/XX/XXXX through XX/XX/XXXX. The representative told me the forbearance was filed and I would receive a response in 10 days. I never heard back via mail or email regarding my forbearance or the status of my renewal application for my repayment program. Several weeks later I checked my credit report and discovered Fed Loans Servicing had reported all 10 of my accounts as late for 120 days. I was devastated when I saw this because my credit score dropped below 450  and I felt like my life was ruined because I was trying to buy a house at the time. Fed Loans Servicing never called or sent me a letter regarding this matter. The company never told me I had a payment due, what the amount was, and I never received information regarding my forbearance or application status. Prior to this negative reporting on my credit and prior to my application renew my monthly payment was XXXX   dollars per month. I was in belief that I was in a forbearance period and that my monthly payment would remain XXXX dollars per month. I never expected Fed Loans Servicing to report on my credit a monthly payment amount of over 500 dollars. Unfortunately, due to miscommunication from the company my credit file was ruined and I was denied housing from an apartment complex after also being denied a mortgage loan.
Complaint sub-issue: Information belongs to someone else

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX {$900.00} XXXX XXXX XXXX Bankruptcy XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy XXXX LXXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I pulled my XXXX, Equifax and XXXX credit reports and found XXXX XXXX had pulled my credit without authorization on XX/XX/2018.I already had financing they were only authorized to complete the application not check my credit themselves. I sent them a certified letter to remove the unauthorized inquiries and they have not responded so I am filing a complaint.
Complaint sub-issue: Didn't receive notice of right to dispute

I recently ran my credit report through XX/XX/XXXX. I saw that I had a debt in collections from an e.r. visit I had, years ago. I never received a bill in the mail and had i, I would have paid it or made payments, to pay off the bill. I called the debt collector to come to an agreement on a payment plan and they told me no. That at the very least I had to pay $ 100- {$200.00} a month. I explained to them that I was paying {$300.00} a month in resolving other debts. ( Those two are now removed from credit and the only negative debt I have showing is this one from the hospital ). Not to mention I was in a transitional shelter/shelter, and on welfare getting government assistance and thats where my income came from. It has been 6 years since this account went to collections. I tried to do the right thing and resolve the issue. I even asked if they wiped the interest off completely and gave me the total amount of the bill I would pay it in full. The woman said no. That was a few weeks ago. Since then, just about every other day, I get an alert telling me my collections balance went up by {$1.00}. Is this even legal?
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX, Amount {$3500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of ED/XXXX , AC # XXXXXXXX XXXX  : XX/XX/XXXX, Amount {$3300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, XXXX  : XX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Debt of ED/XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$5800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX : XX/XX/XXXX, Amount {$6300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX I received an alert from XXXX stating that a lender reported a balance of XXXX and that I was XXXX or more days late. This account has been charged off since XX/XX/XXXX without any billing statements sent since XX/XX/XXXX the charge off amount was around XXXX. XXXX XXXX continues to charge interest on a charged off account without sending or generating bills which is a direct violation of the truth and lending act. XXXX XXXX  liaison XXXX XXXX continues to ignore the law and has also marked all my complaints as duplicates when they are not. Each month XXXX XXXX sends a new amount to the credit agency on a charged off account hence there's new complaints to be sent in. I have filed a writ and summons against the company to appear before a judge in CT superior court and also have filed complaints with the ct department of banking.
Complaint sub-issue: Public record information inaccurate

on XX/XX/2020 applied for XXXX XXXX  credit was denied with a XXXX credit score and immaculate credit they sent me a letter they could not identify me XXXX XXXX XXXX tried again talked to a rep from company denied again XX/XX/2020 signed up for home depot credit card denied I call XXXX my credit union that cant help I don't know who to call for help hoping u can point me in right direction or fix my problem thank you
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX FL XXXX, NY XXXX XXXX DISCOVER XXXX