Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

AFNI, INC has engaged in collection activity prior to validating a debt and has not submitted any documentation to support their claim.

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2021. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from AFNI via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Complaint sub-issue: Account information incorrect

Equifax Collection Account Numbers : XXXX {$100.00} XXXX - {$85.00} XXXX - {$57.00} XXXX - {$60.00} I have written Equifax asking for validation or deletion of these accounts and have received no response in over thirty days. 

The accounts named above are shown on my Equifax credit report as collections.

On my credit report the entries have ZERO contact information and don't even show who the creditor is I want them to tell me the name of the creditor responsible and provide validation of the debts, so that I may investigate. I believe they are from a collection agency that I disputed successfully in the past, and they have surreptitiously re-inserted the information, leaving out relevant identifiers. 

As I stated, I wrote them to dispute the information but as I stated I have gotten no response in OVER thirty days, which is a clear violation of the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent 4 registered letters to Equifax, XXXX and XXXX XXXX regarding inquires that I believe to be questionable on my credit report. And on every single occasion Equifax opened and closed the investigation on the same date without any investigation at all. How do I know that because, I sent letters to the creditors and they wrote back saying that they would indeed remove the inquiry. So, if Equifax contacted, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX why do I have letters from these people? They are violating my rights under 15 U.S.C 1681 section 604 section 2 U.S.C 1681 section 611 ( 2 ) a if after any re-investigation you are unable to produce evidence : meaning that I was the person that applied for credit at these places with my signature and ALL my pertinent information SS # date of birth address everything.
Complaint sub-issue: Received bad information about your loan

I was refinancing my private student loan which was held by XXXX XXXX  with XXXX XXXX due to their lower interest rates. When I called XXXX XXXX with my cosigner ( dad ) they told me I had an additional {$41000.00} in debt from college and asked me if I wanted to include that to my refinance. I am a recent college graduate and was shocked by this number, but they confirmed the debt was mine and I agreed to include it in the refinance. In late XX/XX/2020, my sister who held a private student loan with XXXX   XXXX  called because her loan status showed that it was " paid in full ''. Here, XXXX XXXX without her consent and without my knowledge ( they assured me the {$41000.00} was mine ) wrongly included her debt and refinanced it into my name. None of the loan documents that I signed included her information anywhere. XXXX XXXX seemingly replaced her information with mine, and put it all under my name. Now, I owe an extra {$41000.00} and XXXX XXXX refuses to remedy the problems they caused. They blamed me and said I signed the loan documents, but again all of the loan documents only included my name and my co-signer 's name. Additionally, a loan company can not combine the loans of two people into one party 's name. And even IF this was a legal act, they would have needed the consent of my sister to take action on her debt. There was never a mention of my sister 's name anywhere, and nowhere for her to sign so her private and personal information was used wrongly and without consent by XXXX XXXX. When we called XXXX XXXX on XX/XX/2020, XXXX at XXXX XXXX refused to speak with us, he told us there was no information he could give me ( even though the loan is in my name ), he refused to transfer us to a manager or the accounting department. He blamed me and said I signed the documents, but of course I did -- they supplied me with information they assured me was true and correct, and only included my name and information. This needs to be resolved- student loan companies may not by law do what XXXX XXXX did.
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 accounts 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 UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1500.00}
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/XXXX I disputed a ch XXXX bankruotcy on my credit file wanting the information in the report to be reportrd accurately and be verified. Equifax had 30 days to do so upon request in the dispute Equifax removed the public record because they could not verify the accuracy of the information. As of XX/XX/XXXX there weas no record of the bankruptcy on my credit file. As of XX/XX/XXXX the information has / reinserted/reappeared on my Equifax credit report stating XXXX XXXX is the furnisher of the public record 3rd party vendor of the public record and not the court. I called Equifax XX/XX/XXXX to dispute this matter of the reinsertion I spoke with XXXX but he told me there is nothing he could do. Also it says on the report the date reorted for the bankruptcy wasXX/XX/XXXX was that the date the inquiry was added or discharge? Again inaccuracies I have a report of XX/XX/XXXX that does not include the bankruptcy on the record and the discharge date for the bankruptcy wasXX/XX/XXXX.I never recieved Certification Of Accuracy with a 5 day notice telling me about the reinsertion. Adding Equifax did not verify the public record with the court or court reporters because the court does not verify or furnish information to the credit bureau. Public record sources must also include individuals name, address, full social security number, and date of birthto improve accuracy by the standards of the National Consumer Assistance Plan. I am requesting this information be deleted for finial resolution
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are 3 hard Inquiry on my file report on XXXX  that i have no knowledge of and never authorized. When I found out I had called each company to remove hard inquiry as I never signed anything giving anyone permission This is the list of the hard Inquiry pulls I would like removed : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Personal information incorrect

I am writing you this notice to update the information in my consumer report. See below for my accurate personal information.
Complaint sub-issue: Problem using a debit or ATM card

I went to the ATM ( US BANK ) at the US Bank location at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. I inserted my ATM card and said I wanted to Deposit cash. I deposited a {$50.00} bill, XXXX  {$10.00} bill and XXXX  {$20.00} bills. I got an error that stated " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contact XXXX so we can assist in the return of these items '' I waited at the ATM until the screen went back to scan your card. I went inside the bank and spoke with XXXX XXXX. She told me that she would call the ATM provider this morning XXXX-19 and call me. I did not hear back from her. I left 2 messages. I called customer service and they sent me back to the bank. I asked for XXXX and also asked for the Branch Manager. No assistance. Very frustrated! They have my {$500.00} and I am told that I might not have that money for 10-12 days. This is totally not ok. What regulations are they required to comply. How can this happen???
Complaint sub-issue: Information belongs to someone else

For the part 5 years I have been paying $ XXXX/ month toward my student loan. After seeing late payments on my credit history and calling student loan services, I discovered that someone else 's information was in my account information and that my {$39.00} each month was not going toward my loan.
Complaint sub-issue: Debt is not yours

I just noticed my credit score dropped XXXX XXXX due to a debt collector Hunter Warfield saying I owe {$9900.00} I have never spoke heard received paperwork or anything from this company!
Complaint sub-issue: Transaction was not authorized

I have a Car loan with BBT and when I opened the loan account, they also automatically opened a checking account. They did not give me an opportunity to not open the checking account. I was told that the checking account was not going to have any fees associated with it.   I have paid my loan payments all on time and am close to finishing the loan. They started charging an " Account  Maintenance Fee ''  in  XXXX  for {$13.00} every month.   I did not authorize the fee nor was there a separate notice informing me of the fee. They snuck a short message into my regular monthly statement that went unnoticed since I get my statement emailed.   The message it 's is ambiguous and does n't clearly state why the fees will be charged other than " mortgage qualifier being removed ''.
Complaint sub-issue: Denied request to lower payments

I have a car loan and it gets automatically withdrawn from my account, since last year in XXXX or XXXX the automatically payments stop and I was not aware of it till few months later, and supposedly they were calling about it so when they would call they would never leave messages so I can call back and I dont answer phone numbers I dont know, so this whole time that my payments wasnt getting paid they would never leave a message so how was I suppose to know automatically payments stop, and if they would of left a message I could of taken care of it before falling behind on payments and knocking my scores down. So now Im behind and they wont push it back on the back burner so I could start over since technically its part there fault for not leaving any messages till finally one day they did.
Complaint sub-issue: Their investigation did not fix an error on your report

I called the 3 credit bureaus after receiving a copy of my report. I saw many UNVERIFIABLE items on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on 09/05/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Here is the list of incorrect accounts found on my credit file : XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

In my letter dated XX/XX/2020, I disputed the {$1500.00} alleged debt that you are attempting to collect. Additionally, I requested verification of the alleged debt pursuant to my rights under the FDCPA. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. First, under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Second, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( e.g., a consumer reporting agency ) credit information which is known or which should be known to be false.
Complaint sub-issue: Account status

In XXXX of 2016 My wife and I went to a car dealership to test drive a XXXX XXXX pick up truck. After driving the truck we went into see if we could get financing. We looked for financing through the dealership. They pulled XXXX hard inquires on our credit. We were told that it would n't hurt our credit and that there would only be XXXX hard inquire. They also pulled credit on my wife as well. Now all of those inquires are showing up on her credit too.
Complaint sub-issue: Card was charged for something you did not purchase with the card

This is additional information for Discover Card. For 4 years I have been claiming theft and fraud of the Discover Card. The card was stolen and fraudulently used. Attached is my XX/XX/XXXX Sheriff 's Report. Also attached is XX/XX/XXXX XXXX County Judgment and felony conviction for credit card abuse and references my card. Also attached is XXXX Mississippi arrest for false pretenses, forgery, and credit card abuse. This should be important to Discover. It reflects how she impersonated her own father and how she manipulates. She was even writing large hot checks to buy cars. She has to have a XXXX loose and is a mean twisted person. I am also attaching a FTC fraud report on a dealership. XXXX XXXX convinced them to pull my credit report without permission to check me out and then forged an application and purchase.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account with out written instructions.
Complaint sub-issue: Trouble with how payments are being handled

In 2015, I received notice that I was significantly delinquent on specific loans that were serviced by Citibank. In order to prevent charge off status being applied to my credit report, full payment of the loan amounts were requested. I paid those payments through my XXXX XXXX  account through the below checks : Check # XXXX - XX/XX/2015 - {$4000.00} Check # XXXX - XX/XX/2015 - {$1600.00} Check # XXXX - XX/XX/2015 - {$500.00} Check # XXXX for - XX/XX/2015 - {$500.00} After that, my balances were transferred to XXXX XXXX and XXXX XXXX XXXX. Both service providers can not provide information on these payments. Balances continue to not reflect in my history of all three providers and my credit report.
Complaint sub-issue: Reporting company used your report improperly

I have unauthorized inquiries on my credit reports. I do not recall giving these companies nor the credit bureaus permission to share my credit report with these companies. This is a violation of my consumer privacy and protection. this is apparently fraud and the credit bureaus have done absolutely nothing about it. ( 15 USC 1681 ( A ) ( 4 ) ) I have attached my id so do not try any of your tactics to not validate this information and further violate me! Validation will require documentation not merely your words on a paper stating it's verified.
Complaint sub-issue: Account status incorrect

In mid XX/XX/2020 my wife and I contacted US Bank representative XXXX XXXX at XXXX XXXX to inquire about applying for a home equity line of credit. 

I was a mortgage broker in the past and familiar with underwriting requirements credit inquiries and scores, specifically asking XXXX if the proceeds could be used for a down payment on another home, otherwise we would not apply and damage our perfect credit rating. 

Being suspicious, to make absolutely certain I asked again and again because no other lender allows proceeds to be used for this purpose. 

Well we do! was the response from XXXX. Over and over. Again and again. 

He assured us it was an allowable use many many times in multiple subsequent phone conversations and emails. 

In addition, I spoke with XXXX in detail numerous times about every other aspect and requirement to make sure we complied with everything otherwise again we wouldnt waste time applying knowing wed be declined. Who would? 

Well we applied based on XXXX statements, assurances and declarations. 

And of course we were declined. 

Reason given : proceeds could not be used for a down payment on another property. 

Huh? What? 

I contacted XXXX XXXX at XXXX several weeks ago who represented herself as XXXX XXXX XXXX for that area. 

Upon hearing the situation she immediately graciously apologized and assured me that this was indeed a banker error in her words and that she would reverse the credit inquiry ASAP and we should expect a letter of confirmation to that effect within a few weeks. 

We just received a letter from the US Bank Credit Report Dispute Dept saying that they would NOT in fact be removing or reversing the inquiry on the credit report. 

We feel misled and abused. We need help. We are good solid senior citizens with no criminal records and perfect credit scores and consider this elder abuse. I am XXXX and a XXXX patient. My wife was a nurse for over 50 years. Were good people who have been taken advantage of. 

Please contact us ASAP @ XXXX or XXXX XXXX XXXX and XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Upon viewing my credit report I found an inaccurate late payment from XXXX XXXX on XX/XX/XXXX that was reported on XXXX  XX/XX/XXXX. This late payment was never on my credit report all these years until XX/XX/XXXX. How can this late payment be accurate when in XXXX XXXX XXXX XXXX XXXX I had good payment history. XXXX   Equifax and XXXX  is reporting this account inaccurate.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Equifax? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}
Complaint sub-issue: Was not notified of investigation status or results

I am very upset with this issue. I sent a letter to the credit bureau onXX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

The account on my credit report is inaccurate and unverified.